Competitive Landscape
8 competitors analyzed
Market Share (Retirement Distribution)
4.15%
#1 in category (T3 2025)
Unique Value
Purpose-built retirement income planning with dynamic updating methodology
Awards
#1 T3 2023/24/25, Technology All-Star, Best in Show XYPN
Critical Gap: Zero Comparison Pages
Income Lab has ZERO comparison/vs pages. RightCapital has 7+. Major competitive content gap.
Source: T3 Technology Survey 2025
| Competitor | Type | Market Share | Threat Level | Confidence | Positioning |
|---|---|---|---|---|---|
 RightCapital | primary adjacent | 25.4% | medium rising | Confirmed | Comprehensive financial planning with strong retirement distribution features. Income Lab is used as overlay, not replacement. |
 eMoney Advisor (Fidelity) | primary adjacent | 31.1% | low | Confirmed | Enterprise financial planning platform, Fidelity-owned. Income Lab used as overlay. |
 MoneyGuidePro (Envestnet) | primary adjacent | 18.6% | low | Confirmed | Goals-based financial planning. In steep decline. |
 Covisum | direct competitor | -- | medium | Confirmed | Retirement-focused tools: Social Security Timing, Tax Clarity, SmartRisk, Income InSight |
 Income Solver (Retiree Inc. / T. Rowe Price) | direct competitor | 3.05% | low | Confirmed | Retirement distribution planning: withdrawal optimization, SS analysis, Roth conversions, tax-efficient distributions |
 Income Discovery | direct competitor | -- | medium | Confirmed | AI-powered retirement income platform with SafePath guardrails. Enterprise-first model (sells to institutions, not individual advisors). |
 FP Alpha | adjacent overlap | 4.11% | low | Confirmed | AI-powered planning across 16 disciplines. Overlaps on Roth conversion modeling. |
 Conquest Planning | emerging | -- | low | Likely | Canadian company, entered US market 2023. AI-powered planning with SAM (Strategic Advice Manager). |
Comprehensive financial planning with strong retirement distribution features. Income Lab is used as overlay, not replacement.
Strengths
- +All-in-one financial planning platform
- +Strong UI/UX reputation
- +Aggressive SEO and competitive content marketing
- +7+ dedicated comparison/vs pages
- +Building retirement-income features (guardrails, dynamic spending) that encroach on Income Lab's niche
Weaknesses
- -Generalist -- retirement distribution is one module, not the core product
- -Less depth in retirement-specific methodology
- -New retirement features are catch-up, not category-leading
Not a direct replacement -- overlay model works. But RightCapital is (a) actively building retirement features (guardrails, dynamic spending since 2021, floor/ceiling), (b) has vastly superior competitive content engine (11+ pages vs zero), (c) growing rapidly. Biggest risk: advisors who would have ADDED Income Lab decide RC's built-in features are 'good enough' and never evaluate the specialist tool.
Enterprise financial planning platform, Fidelity-owned. Income Lab used as overlay.
Strengths
- +Fidelity backing and distribution
- +Largest market share (31.1%)
- +Deep enterprise integrations
- +Client portal and PFM features
Weaknesses
- -Aging UI
- -Expensive for smaller practices
- -Slow to innovate on retirement-specific features
- -No competitive content strategy
Overlay partner, not direct competitor. Advisors layer Income Lab on top of eMoney.
Goals-based financial planning. In steep decline.
Strengths
- +Envestnet ecosystem integration
- +Goals-based planning approach
Weaknesses
- -Losing market share rapidly
- -Perceived as legacy/outdated by younger advisors
- -A la carte pricing creates cost uncertainty
- -Retirement distribution not a differentiator
Decline creates opportunity -- pool of advisors actively evaluating alternatives. Many may add Income Lab as overlay with new platform.
Retirement-focused tools: Social Security Timing, Tax Clarity, SmartRisk, Income InSight
Strengths
- +Similar retirement-focused positioning to Income Lab
- +Strong Social Security optimization tool
- +Established advisor relationships (20K+ users)
- +Lower price point for individual tools
- +No contract requirement
Weaknesses
- -Point solutions rather than integrated platform
- -A la carte model means full suite cost can exceed Income Lab
- -Less comprehensive retirement income planning methodology
- -No competitive content strategy
- -Smaller tech team and slower feature velocity
Closest direct competitor by positioning. Modular vs integrated favors IL ($1,850/yr vs $2,800/yr suite). SS Timing is their strongest asset (14 years, 8.26 satisfaction). But stagnant innovation and 0.48% InSight market share suggest declining competitive pressure.
Retirement distribution planning: withdrawal optimization, SS analysis, Roth conversions, tax-efficient distributions
Strengths
- +Direct competitor in retirement distribution
- +T. Rowe Price backing and distribution network
- +Withdrawal strategy optimization
Weaknesses
- -Significantly smaller market share than Income Lab (3.05% vs 4.15%)
- -Lower visibility in advisor community
- -Acquisition integration may slow innovation
T. Rowe Price backing adds distribution but the product has not shown market share gains since acquisition.
AI-powered retirement income platform with SafePath guardrails. Enterprise-first model (sells to institutions, not individual advisors).
AI-first positioning and guardrails approach directly overlaps with Income Lab. Enterprise model means they compete for BD/institutional deals, not individual advisor subscriptions. Scale is impressive (158K retirees) but achieved through enterprise channel.
AI-powered planning across 16 disciplines. Overlaps on Roth conversion modeling.
Not a direct retirement distribution tool. Included in T3 retirement category due to Roth conversion modeling only.
Canadian company, entered US market 2023. AI-powered planning with SAM (Strategic Advice Manager).
General financial planning, not retirement-specific. Early US market entry.
brand impression share
null
competitors bidding on brand
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note
Blocked on Google Ads access. RightCapital confirmed bidding on competitor terms (MoneyGuidePro). Need to check if anyone bids on 'Income Lab'.
confidence
needs_verification