Guided Intake
Organize income sources, accounts, spending, and the decision you are trying to make.
Retirement income decision tools / 退休收入决策工具
Retire with a paycheck, not a pile of accounts.
Make clearer decisions about Social Security, IRA withdrawals, Roth, cash, and retirement income timing.
用工具先理清社安金、IRA 提款、Roth、现金储备和退休收入启动时间。
What the Lab does / 我们做什么
Decision tools for retirement income.
不是泛泛理财规划，只帮你把几个关键退休收入决策先理清楚。
Sources
Social Security IRA / 401(k) Roth CashStarter Kit
Decision Map Timing · taxes · withdrawals · income floorOutputs
Income floor Portfolio gap Next decision Risk checklistIncome Source Inventory
| Social Security | Stable |
| IRA | Taxable |
| Roth | Reserve |
Withdrawal Order Map
CashIRARoth
Income Floor Gap
Tools first / 先用工具
Start with the decision, not the whole plan.
Each tool focuses on one decision: when income starts, which account pays first, how much spending is stable, or whether overseas retirement changes the map.
每个工具只解决一个窄问题：收入何时开始、先取哪个账户、稳定收入够不够、离美养老会改变什么。
Included in the Starter Kit / 工具包包含
Build your retirement income decision profile.
The Starter Kit begins with a guided intake that organizes your income sources, accounts, spending, and key decisions.
工具包会先用引导式问题，整理你的收入来源、账户、支出和关键决策。
Decision Profile
See whether your first focus is Social Security timing, withdrawals, tax drag, income floor, or overseas retirement.
Next Checklist
Know what to verify before deciding whether a paid decision review makes sense.
After purchase / 付款后进入
The full intake opens inside the Starter Kit workflow.
完整填写流程放在工具包内部，付款后进入，不作为免费问卷开放。
Start here / 从这里开始
Find your retirement income profile
Answer a few questions. See which retirement income decision to work on first.
回答几个问题，看看你应该先处理哪一个退休收入决策。
Productized tool / 工具产品
Retirement Income Starter Kit
A self-guided workbook for organizing the first set of retirement income decisions before paying for custom planning.
一套自助式表格工具，先整理第一批退休收入决策，再决定是否需要个案分析。
What you get / 包含内容
- Spending map
- Income source inventory
- Social Security timing worksheet
- Withdrawal order worksheet
- Income floor gap worksheet
- Risk checklist
Boundaries / 边界
- Education, not personal advice
- Self-guided first step
- No investment product pitch
Prototype worksheet / 表格原型
Map your income floor gap
Estimate how much of your basic spending still depends on portfolio withdrawals.
估算你的基本生活费里，还有多少需要依赖投资账户提款。
Estimated gap
$0
Enter your numbers to estimate how much of your essential spending still depends on investment withdrawals or other variable sources.
Tools-first / 工具优先
Start with tools. Upgrade later.
Start with structured decision tools. Add planning support only if your answers show complexity.
第一步不是约电话，而是先用工具把问题整理清楚。
1
Take the quiz
Identify the first decision to work on.
2
Use the kit
Organize income, gaps, and risks.
3
Decide next steps
Apply for a paid review only if needed.
About Iris
Tax, investment, and insurance perspective in one retirement income decision framework.
Iris helps retirees and pre-retirees organize income timing, account withdrawals, taxes, and risk reserves.
Iris 帮助准退休和退休人士梳理收入时间、账户提款、税务影响和风险储备。
- Life & Health Insurance License
- Investment Advisor Representative
- Enrolled Agent
Important disclosure
Retirement Income Lab educational tools are not individualized investment, tax, insurance, legal, or immigration advice. Personalized recommendations require additional review of your facts, assumptions, and applicable regulations. Consult qualified professionals for tax, legal, insurance, investment, and cross-border matters.
Contact: isui@brookstoneadvisor.com