Income Discovery
HQ Address
20 Chruch Street, Liberty Corner, NJ 07938, United States
Website Address
Business introduction
Intelligent Retirement Income
Drive Conversion. Strengthen Trust. Consolidate Assets
Founded by Manish Malhotra, a financial engineer and pioneer in retirement income modeling, Income Discovery was created in response to the growing gap between accumulation planning and retirement income execution.
Traditional tools weren’t designed for the decumulation phase. Advisors and institutions were left relying on spreadsheets and simplistic models, with no scalable way to ensure each retiree’s income plan truly reflected their unique circumstances.
That’s why we built the Adaptive Income Discovery Agent (AIDA) and a powerful planning engine that applies thousands of scenarios to help advisors create tailored, tax-smart, confidence-driven retirement income plans.
Income Discovery Solutions
Income Delivery
Income Delivery transforms a retirement strategy into a dynamic, tax-optimized withdrawal plan. Designed to handle Quarterly distribution execution with full tax coordination Sourcing across managed and held-away accounts Budget-based, discretionary, and unplanned spending events Easy recalibration in response to life events, spending shifts, or plan updates Interactive dashboard for advisor and client review and approval Integrated Roth......
business needs
view solutionIncome Planning 2.0
No toggling levers in isolation, Income Planning 2.0 simultaneously optimizes across all these factors to find the smartest path. Easily adjustable for planning updates, client feedback, or market change Integrated Roth conversion analysis to maximize long-term tax efficiency Auto-calculates safe income levels at 90% confidence One-click plan generation aligned with advisor-specific client objectives Tax-targeted distribution......
business needs
view solutionSafePath
SafePath gives retirees a simple way to assess their income safety over time: Safe zone Continue spending as planned Adjustment zone Reduce spending with confidence Built on three core principles: Infrequent adjustments by design Because spending reductions are painful for retirees, SafePathSM minimizes frequency and amount of adjustments Clear safety buffer visibility Shows feasibility of unplanned spending and provides peace......
