The problem
Most retirement planning language is inherited from accumulation: return, allocation, target balance and probability of success. Those measures matter, but they do not answer the monthly question retirement eventually imposes: where does the income come from, and what happens when markets do not cooperate?
The Income Standard was created to make that structural gap visible. It organizes the work around the income floor, sequence-of-returns risk, longevity, required minimum distributions, tax sequencing and the division of labor between guaranteed income and a growth portfolio.
The system
The platform is intentionally broader than a single publication. The book establishes the framework. The podcast examines one structural risk at a time. Interactive tools make the questions measurable. The Income Standard Review applies the framework to an individual retirement-income picture.
The central shift is simple: a withdrawal strategy and an income architecture are not the same thing.
Why it is the flagship
The Income Standard is the clearest public expression of Tod’s current professional work. It joins education, media, tools and a defined planning process around one subject—and gives every other owned property a substantive destination to point toward.