Right now, the application does not differentiate between the clients' various tax buckets (taxable, tax-deferred and Roth), so it can't do tax-sensitive optimization or stipulate the order in which the various accounts are depleted. This capability will be added in the future.
Since Income Discovery is new and a little rough around the edges, why should you buy now? Well, right now, Income Discovery is currently being offered at no charge for an unspecified period of time. Before the free period expires, Income Discovery will offer all early adopters an opportunity to subscribe at 60% off the list price ($100 versus the list price of $250 per month) on an annual subscription basis.
Whether you ultimately decide on a paid subscription or not, Income Discovery is worth checking out. It allows you to get right to the heart of income distribution planning with minimal data input, and it clearly illustrates, in real time, the impact that changing one factor has on the other elements of a plan. You can sign up at www.incomediscovery.com