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  2. Special Episode: Trends in Retirement Income Planning and Planning Tips for Advisors - A Conversation with Sheryl O'Connor and Phil Lubinsky, IncomeConductor

Special Episode: Trends in Retirement Income Planning and Planning Tips for Advisors - A Conversation with Sheryl O'Connor and Phil Lubinsky, IncomeConductor

Feb 4, 2026

Continuing our special series on post retirement income planning, we sit down with Sheryl O'Connor (CEO and co-founder of IncomeConductor) and Phil Lubinski (CFP, co-founder, former retail advisor specializing in retirees, and developer of the time-segmented income strategy that underpins the platform).

Sheryl provides some high level industry trends including: 1) Increased Focus on Healthcare & Long-Term Care, 2) Longevity & Personalized Financial Projections, and 3) Growing Annuity Adoption. Phil speaks frequently with advisors and he finds a growing shift among advisors to 1) offer comprehensive, client-centered retirement expertise with 2) tools enabling precise, integrated modeling of guarantees, growth, and risks. 

Additional points brought up in this episode:

  1. Modern retirees want engagement in plan development (vs. passive in the 1980s). 
  2. Time-segmented approach aligns with goal-based planning (like accumulation for multiple horizons).
  3. More guaranteed income boosts willingness to take risk and gives "permission to spend" (reducing underspending in "go-go" early retirement phases).
  4. Proactive tax planning addresses "retirement's tax trifecta" (RMDs, spousal death bracket jumps, generational transfers).
  5. Competition (targeting 50+ demographic) drives advisors toward specialization over compliance fears; technology/AI enables scalable, deeper planning.