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Grow Your Financial Planning Practice With Covisum

Covisum's four specialized tools help advisors compare Social Security claiming strategies, evaluate retirement taxes, coordinate income and withdrawals, and analyze portfolio risk. Advisors can use the tools separately or together to create clearer, client-ready retirement strategies. 

Our customer experience team is with you every step of the way, providing the support and guidance you need to demonstrate your value to clients and grow your business.

More than 1,000,000 lives impacted
Just 5  minutes to run most reports
Retirement planning 4 software solutions

Coordinate the Retirement Decisions That Affect One Another

Retirement decisions do not happen independently. A Social Security claiming decision can affect taxes, portfolio withdrawals, Medicare premiums, survivor income and long-term plan sustainability. Covisum helps advisors evaluate these decisions as part of a coordinated retirement income plan.

  • When should the client claim Social Security?

  • How could income decisions affect taxes and Medicare premiums?

  • Which accounts should fund retirement spending each year?

  • Does the portfolio support the client’s income goals and risk expectations?

Compare Social Security Claiming Strategies

Your clients may believe that claiming Social Security benefits as early as possible is the right choice. With Social Security Timing®, you can compare claiming strategies, help clients make more informed decisions, and illustrate the potential impact on their lifetime benefits. 

Explore Social Security Timing
SST - JUNE 25

Identify Tax-Efficient Retirement Planning Opportunities

With Tax Clarity®, you can help clients visualize their tax landscape and quickly identify sub-optimal situations. Use the software to show clients how to make retirement decisions in the most tax-efficient way. Show the impact of Roth conversions and run multiple reports to demonstrate the tax landscape over time. Easily address challenging tax situations retirees may encounter in a market downturn.

Explore Tax Clarity
Tax Clarity - JUNE 25

Coordinate Retirement Income and Withdrawal Strategies

Income InSight® quickly and easily shows the impact of different decisions within a client's financial plan. Understand the key variables of life expectancy, tax efficiency and sequence of withdrawals. Show the impact of Roth conversions in seconds. Stress test entire strategies against a down market, inflation, an early death, a healthcare event and more. Use the software to show clients a clear view of their retirement and alternates to make better decisions about which income streams to use at which points in retirement.

Explore Income InSight
Income Insight - JUNE 25

Connect Portfolio Risk to the Retirement Income Plan

Clients are often blind to market risk and typically don’t have accurate downside expectations – either too conservative or too reckless, leading to suboptimal investment allocations. With SmartRiskTM, advisors can analyze portfolio risk and easily communicate with clients to help them avoid costly mistakes.

Explore SmartRisk
Smart Risk - JUNE 25

More Than Software, Support for Your Practice

With Covisum, you receive more than retirement planning tools. Your subscription includes expert support, client-ready reports, and practical resources designed to help you communicate your value, strengthen client relationships, and grow your practice.

Support
Expert Support
Access our online help center anytime, along with phone and email support during your trial and paid subscription. Our team can help with both software questions and retirement planning concepts.
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Training and Guidance
Access practical training and educational resources to help you use Covisum with confidence. Our team can connect you with relevant product guidance, planning resources, and support as you incorporate the tools into your client process.
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Client-Ready Reports
Created by an advisor for advisors, Covisum reports use clear visuals to help clients understand planning strategies, compare alternatives, and recognize the value of your advice.
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Practice Growth Resources
Access practice management and marketing resources included with your subscription to help you attract the right prospects, engage clients, and build a stronger business.

How Financial Advisors Use Covisum Tools 

  1. Enter or upload client information. Start with the financial details relevant to the analysis.
  2. Compare retirement strategies. Evaluate Social Security, tax, income and risk alternatives.
  3. Review the tradeoffs. See how one decision may affect other parts of the retirement plan.
  4. Present the results clearly. Use client-ready reports and visuals to support the recommendation.
  5. Update the analysis as circumstances change. Revisit strategies when markets, tax laws or client goals change.

Created by an advisor, for advisors

Covisum’s founder is a practicing financial advisor and our top advisors say that they have become much more referable by using our tools consistently in every client meeting. One additional referral a year is well worth the time it takes to learn how to use the software. Our software helps you create a financial picture for your client's retirement. Make the financial planning process simpler and provide your clients with the right information to make the best financial decisions.

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“Social Security Timing is easy to use and when I needed help, the staff was very helpful.”
Michael
Owner
“The software does the job it is intended to do and the telephone support staff is wonderful at answering my questions. I have never had an issue with either the software or the people. I wish I could say that about everything!”
Richard
CLU, CFC
“Easy to use software that provides value to advisor and clients.
Nick
Financial Professional
“Very good tool to inspire and motivate prospects to take the next step towards becoming clients.”
Brent
CFP®, CRPS®, ChFC®, CLU®, AIF®
“Helps me present a transparent plan to clients.”
Gilberto
Financial Planner
“With very few inputs, I receive usable information for my client.”
James
CFP®
“There are two concerns for retirees: TAXES and Social Security. Your software helps me with those two concerns.”
Robert
CLU®, CFP®, ChFC®
“It was a very useful tool… I was impressed with what I saw. I think it will be an asset in my growing practice.”
Derek
Financial Advisor
"The details the Covisum tools provide give our clients – and me – peace of mind. We are able to give our clients the clearest picture possible about what lies ahead in their financial future."
“I want to thank you for your superb help, advice and counsel on the phone today! Your knowledge and expertise made me feel that Covisum is the ONLY company I will need to partner with, for my Social Security software and training needs. Your patience in answering all of my questions, so articulately, was impressive. You are a PRO.”
"Covisum has developed state-of-the-art software, including Tax Clarity®, to better assist your client's retirement needs. They bring a very high level of value to my firm."
“With Social Security Timing®, I’m seeing people interested in retirement planning, not just another portfolio review.”

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© 2010 – 2026 Covisum®. All Rights Reserved. For advisor use only. Covisum is not connected with, affiliated with or endorsed by the United States government or the Social Security Administration. The local advisor offering Covisum products may be an insurance agent, financial advisor, accountant or attorney. Advisors may offer other products or services and are compensated by commissions and/or fees for any other services they may provide. Terms and Conditions | Privacy Policy