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Advanced Time Segmentation

Category: AI in Fintech

An AI-powered platform, offered via a joint venture with Cetera, for financial advisors to deliver personalized time-segmented retirement income plans at scale. Advanced Time Segmentation was founded in 2022. The company is led by Phil Lubinski. Based in Denver, Colorado, USA. Team size: 2-10. Total funding raised: Not publicly disclosed; funded via a strategic joint venture with Cetera.. Latest round: N/A. Key investors include Privately funded and strategic investment from Cetera Financial Group via joint venture..

Founded
2022
Headquarters
Denver, Colorado, USA
Team size
2-10
Total funding
Not publicly disclosed; funded via a strategic joint venture with Cetera.

Value proposition

Enables the scalable delivery of customized retirement income solutions using advanced segmentation algorithms, helping advisors efficiently create plans tailored to individual client needs.

Products and solutions

ATS Platform for Advisors (SaaS), White-label solutions for enterprise partners, Educational resources on segmented retirement planning

Unique value

Leverages proprietary algorithms based on the 'time segmentation' methodology, dividing assets into segments based on when they will be needed during retirement to automate highly individualized income strategies.

Target customer

Financial advisors and wealth management firms, specifically the network of professionals at Cetera.

Industries served

Wealth Management, Financial Advisory Services, Retirement Planning

Technology advantage

Automates what was previously a manual, complex planning process for advisors and integrates behavioral finance insights with market data to optimize withdrawal strategies. The AI-powered platform can generate custom plans in minutes.

How they differentiate

Differentiates through an exclusive focus on time segmentation methodology rather than general financial planning, deep founder credibility in this specific niche, and a primary focus on automation and scalability.

Main competitors

IncomeConductor, RetireUp, eMoney Advisor (Retirement module)

Key partnerships

Cetera Financial Group (Joint Venture)

Notable customers

Cetera Financial Group

Major milestones

Product first made available to Cetera network (2022), Announced joint venture with Cetera to launch AI-powered platform (2024), Won 2026 BISA Technology & Innovation Award (2025)

Growth metrics

The partnership with Cetera provides immediate access to a network of over 12,000 financial professionals.

Market positioning

Positioned as a specialized, evidence-based solution for advisors seeking to implement segmented withdrawal strategies, as an alternative to traditional systematic withdrawal or Monte Carlo-based tools.

Geographic focus

North America

Patents and IP

No public patents listed; IP is centered on proprietary software logic and methodology.

About Phil Lubinski

Phil Lubinski has over 35 years of experience as a financial advisor, focusing almost exclusively on retirement income planning. He is a Certified Financial Planner (CFP®) and co-creator of Advanced Time Segmentation. He has contributed thought leadership in the financial planning community, notably on tax-efficient withdrawal strategies and the “Mass Affluent” client segment. Phil is also a co-founder of IncomeConductor, a platform designed to help financial advisors create and manage retirement income plans. He tackles complex topics like Roth IRA conversion strategies and the use of Reverse Mortgages within tax-smart retirement income distribution.

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