A library of lifetime-income scenarios, organized by the question each one answers. Every entry pairs an interactive tool you can configure with a companion essay that states the argument and reads the result.
A single underlying model runs throughout. A scenario starts in one register — no friction, with friction, or with one variable moved — and shifts as you change the parameters. The register is a mode of looking, not a category the scenario lives in.
Eight scenarios, one grid. Each card leads with the question, shows the headline finding, and names the parameters that configure the scenario.
The foundational cost-of-income comparison — solo drawdown versus frictionless pool, across planning horizons.
reduction in the cost of conservative planning when longevity risk is pooled
What an insurer charges for the guarantee — and how much of the frictionless pooling benefit survives the load.
In Preparation
Pooling nearly eliminates the cost penalty for planning conservatively — the cost of extending protection from age 90 to 105 compresses by more than 7×.
cost of extending protection from age 90 to 105, solo vs. pooled
How cost of income and realized value respond as the real rate moves across a 1–5% band.
In Preparation
Age, gender, and savings level all shape the cost of income and the size of the pooling benefit. The same arrangement looks different to different people.
In Preparation
A plus-three-year mortality improvement applied to the Gompertz distribution — what it does to the cost of income, the pooling benefit, and the sustainability of the arrangement.
In Preparation
A single pool with entrants aged 60–75 — how the mortality credit distributes across age cohorts and what it means for fairness.
In Preparation
Solo drawdown, frictionless pool, commercial annuity — same savings, same person, structurally different arrangements. The four properties show what changes.
In Preparation
The smallest pool that still delivers meaningful realized value — and where the mechanics break down.
In Preparation
Everything above is public — scenarios anyone can open and reconfigure. Below is different: analytical work we produce for specific plan sponsors under engagement, shaped around the plan in front of us. The sample is there to show the shape of a deliverable, not to stand in for one.
■ Consulting
Analytical work produced for specific plan sponsors evaluating in-plan lifetime income — shaped around the plan, not a template. The sample below shows the shape of a deliverable.
A demographic analysis of lifetime income economics for a specific plan. Redacted sample.
median income uplift over solo drawdown in the 300-member illustrative plan shown in the sample
Engagements are shaped around your plan. Start with a scoping conversation.
scope, timeline and deliverables are set with sponsor, not packaged in advance