$720,000 per customer average investment | Competitive advantage | Enhanced compliance
Millions of “Constrained” Investors Need The Income for Life Model®

Seize the opportunity to differentiate yourself and move-up the value chain

Read why DOL’s publication and its unintended consequences makes licensing The Income for Life Model® 2017 the smart move. Download Position Paper by clicking on the image below.


DOL may remain, be modified or even be cancelled. No matter the outcome, every financial advisor will still be significantly impacted.
Compliance standards have intensified. Compensation levels are compressing. Low-cost investment options such as Vanguard funds have seen outsized growth. Robos are multiplying and becoming more sophisticated, even adding Human advisors. The marketing environment has transformed, and competition will only get tougher. Welcome to the new world of advice.

Wealth2k developed The Income for Life Model® 2017 to serve as the post-commoditization operating model that builds your success.

The Income for Life Model® is the way for advisors to demonstrate specialized skills that help retirees plan their retirement income.

DOL doesn’t arrive in a vacuum. Rather, it intersects with advancing technology to unleash a commoditization of accumulation-focused investment advice. And it doesn’t stop until that type of advice is free.

This is not to say that advisors’ personal relationships with clients is unimportant. But it does say that there will be continual downward pressure on fees advisors can charge for accumulation-focused advice.

Better to separate yourself from the herd, acquire critical income planning skills, and focus on the dynamic “constrained” investor market. That’s how to preserve your continuing success.

The Income for Life Model® simplifies retirement income. It’s transparent, understandable and builds clients’ confidence.

It consolidates investment assets. When you go to market with it you acquire a big competitive advantage compared to traditional advisors, robos and non-traditional competitors.

The Income for Life Model® helps advisors consolidate and manage investors’ retirement assets.

Source: GDC Research/Practical Perspectives

A Business-Building Solution for the Post-Commoditization Marketplace.


roi - reliability of income® profiler

The Income for Life Model® introduces the ROI Reliability of Income® client profiler, an important new approach to risk profiling that quantifies the client’s needs in four critical areas: the need for guaranteed income, sensitivity to investment volatility, liquidity needs and legacy objectives.



IFLM offers HumanRobo®, a digital marketing “front-end” designed to be your personal sales assistant. HumanRobo® extends your reach. It “packages” and enhances your image online. It even presents the sales presentation for The Income for Life Model®. HumanRobo® builds demand among prospects for planning meetings.


what's my income?™

IFLM provides What’s My Income?TM, an exclusive presentation that helps you answer the question retirees care about most. In an industry that has focused clients on their “number”, What’s My Income?TM enables you to focus them on what really matters, their “income”.


3 big risks™

IFLM introduces 3 Big RisksTM. What defines fiduciary duty when working with retirees? Wealth2k believes that it transcends “costs” and must recognize the mitigation of key “risks” that can devastate a retiree’s financial security. We’ve created exclusive educational content that addresses timing risk, inflation risk and longevity risk, but we’ve done it in language that clients can understand.


digital + you™

The future is all about digital tools used to strengthen the human advisor. With The Income for Life Model® 2017, there’s no need to wait for the future. Our new client seminar is the first that integrates high-end digital elements to enhance the impact of your seminar presentation. It’s a “wow” factor guaranteed to impress prospects.

The video opposite is from our seminar introduction multimedia presentation. This is designed to be playing as your attendees arrive for your seminar event. It sets the tone for an impressive educational experience.