Income planning tool

Our income planning tool helps to make complicated drawdown advice simple.
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Client risk assessment

Use this form to record your clients' attitude to risk and use the answers to complete the income planning tool at a later date.

How does it work?

The tool uses a powerful stochastic model provided by Moody’s Analytics to produce a detailed picture of the risks to your client's future income. The information is presented in a clear and concise way, making it easy for your client to understand.

The income planning tool helps you:

  • Assess your client's attitude to risk and capacity for loss
  • Determine an appropriate amount of regular income
  • Choose a portfolio with an appropriate balance of risk and return
  • Understand the risks to your client's future income
  • Explain those risks to your client

Client reports

The tool will create a report to help support your advice process. The report is unbranded and editable, giving you the flexibility to make changes and help you ensure that it meets your compliance requirements.

Find out more

If you'd like a personalised demo of our income planning tool, speak to your usual Royal London contact.

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.