Retirement planning technology is evolving to meet the complex needs of advisors, but adoption remains low despite a growing number of solutions. Historically underdeveloped compared to accumulation tools, platforms now address Social Security strategies, tax-efficient withdrawals, and investment adjustments, yet many advisors still rely on Excel or in-house tools. The abundance of options creates friction, as new tools must justify their integration effort. With no clear market leader, vendors face significant opportunity, especially those prioritizing practical, client-facing outcomes over academic rigor to drive meaningful engagement and adoption.

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