What are the Three Paradigms of Retirement Income Planning?

There exists a semi-hidden and little researched connection between planning and software programming that supports that planning, as well as little research into the connection to planning and programming related to the paradigm that exists underlying those connections. This paper discusses the paradigms of retirement income planning from past, to present, and observations to advance the planning profession and research into the future. The profession, researchers, and software programmers have transitioned from the first to the second paradigm and has yet to visualize the third paradigm to make that paradigm shift.