 Most brokers and financial planners specialize in IFCOM planning. I call it IFCOM because if you don't know if it's going to be there when you need it. IFCOM is retirement money that is invested in stocks, bonds, mutual funds, and other variable accounts. IFCOM is the type of money that can be gone overnight because of some war, economic downturn, or some crooked CEO just caused your retirement to collapse. Let me ask you a question. Do you want income planning that you can count on?