Retirement Income Optimization Software

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Retirement Income Optimization Software

Inspired by a conversation on:

Dropping Bombs

Dropping Bombs

Tom Hegna. Retire Smart . Episode 242 with The Real Brad Lea (TRBL)

Host: Brad Lea

Timestamp: 00:09:11 - 00:09:56

Listen to Episode • View Podcast • All Ideas from Dropping Bombs

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Feather Flow

Direct Quote

"You must put an annuity in that portfolio. You got to take off longevity risk."

Market Gap

Investors are unsure how to structure their retirement portfolios.

As individuals approach retirement, they often struggle with how to best allocate their assets to ensure a steady income stream throughout their retirement years. Many are unaware of the benefits of products like annuities, leading to suboptimal investment strategies. Traditional retirement planning tools often fail to account for longevity risk, which can result in retirees outliving their savings. With the increasing complexity of financial products and market dynamics, there is a pressing need for a software solution that guides users through the intricacies of retirement income planning, promoting better financial outcomes.

Summary

A software platform designed to help users optimize their retirement income by analyzing their current portfolios and providing personalized recommendations. The software would incorporate various financial products, including annuities, to ensure users achieve guaranteed lifetime income while managing risks such as inflation and longevity. By utilizing algorithms based on financial theories and research, the tool would help users visualize their retirement income scenarios, enabling them to make informed decisions. The platform could charge a subscription fee for premium features and personalized financial advice, making it accessible to a broad audience seeking financial security in retirement.

Categorization

Business Model
SaaS
Target Founder
Technical
Difficulty
High
Time to Revenue
6-12 months
Initial Investment
$10,000+

Potential MRR (18-24 months)

Conservative
$4,000 - $8,000 MRR
Moderate (Most Likely)
$15,000 - $30,000 MRR
Optimistic
$50,000 - $100,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
8/10
Novelty
9/10
Feasibility
7/10
Market Potential
9/10
Evidence
9/10
Overall
8.4/10
Found on September 18, 2025 • Analyzed on September 18, 2023 5:59 PM

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How should I validate this saas idea before building it?

2:34 PM

Great question! For a saas idea like this, I'd recommend starting with these validation steps:

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Yes, and what about the technical implementation? Should I build this myself or hire a team?

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