One Advisor. One Client. Better Financial Conversations.
The 1-on-1 Strategy Lab is an interactive financial strategy platform created for advisors who want to help clients see, understand, and evaluate the financial decisions they are making. What we have built is not simply a collection of financial calculators. Each addresses a different financial situation, but they share a common philosophy: before recommending a financial product, understand the financial problem.
Reality Check
Demonstrate how the timing and order of returns affect accumulation, retirement distributions and long-term account survival.
Private Reserve System
Demonstrate liquidity, access to capital, opportunity cost, and the value of having money available when opportunities arise.
Taxable Account Analyzer
Demonstrate the economic drag that can exist inside taxable assets and to compare strategies based upon what ultimately reaches the client.
Qualified Account Roll-Out Analyzer
Demonstrate how to look beyond today's account balance and consider future taxation, retirement income, required distributions, Medicare implications, and legacy.
S&P 500 Index Product Comparator
Compare two index-product designs using the same historical S&P 500 price-return data.
CSO Mortality Comparison
Compare standardized mortality table rates across generations of life insurance.
IUL Lock-In and Reset
See how market losses and annual reset mechanics can change the long-term accumulation story. This interactive presentation compares historical S&P 500 price returns with a simplified Indexed Universal Life crediting strategy using a cap, floor, and participation rate.
Inverted Asset Cost Calculator
Explore how different financial structures and costs can change over time as assets grow.
Mortgage Master
Analyze mortgages, refinancing, equity, additional payments, financing alternatives, and break-even points.
Account Ability
Compare three hypothetical tax treatments on a common economic basis.
Risk Bucket Allocation Strategy
Organize a client’s assets by both risk and tax treatment, compare the current allocation with the client’s desired allocation, and distinguish the target from what can actually be implemented when certain assets must remain in place.
IUL Cost Analyzer
Explore the costs associated with Indexed Universal Life (IUL) insurance and how they may impact policy performance over time.
