LIFETIME INCOME PLATFORM

A computer implemented platform for retirement planning includes a retirement accumulations module for causing to be stored a plurality of portable retirement accounts, each of which is owned by a different individual investor, for accumulating contributions from employers, sponsors and/or individual investors to each of the portable retirement savings accounts based on a respective retirement plan, and a retirement income generation module for causing to be paid to one or more of the individual investors available income payments based on the portable retirement accounts of the individual investors. The platform further includes a client computing device storing a retirement savings application configured to interact with the retirement accumulations module and the retirement income generation module that allows an individual investor to input data and information, change contributions to a respective retirement savings account, and/or cause funds to be withdrawn from the respective retirement savings account.