About Us

About Us

Income Discovery is an online investment advice software offering from Fiducioso Advisors, SEC Registered Investment Advisor. The software is offered to Financial Advisors (not to general public) to help them build retirement income plans for their clients. Unlike Financial Planning Tools, which are merely software to run planning calculations, key capabilities of Income Discovery, such as optimization and constant cash flow bond ladder construction, qualify as giving Investment Advice. Hence Income Discovery software provides investment advice to Financial Advisors in construction of a retirement income plan for their clients under the terms described in the commercial agreement.

Founder
Manish Malhotra
Manish Malhotra, Founder, President & CEO, Wall Street veteran (Citigroup and Bank of America) is a nationally recognized retirement income researcher and speaker who has, through his research, injected a new thought process and paradigm on retirement income planning. The venture is holding back his passion for hiking remote mountains.
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Advisors
Rakesh Kaul
Rakesh Kaul, a strategic advisor and early investor, is Chairman of Spherenomics, a venture incubation company. Previous roles include CEO of Hanover Direct, and Board advisory positions with Oriental Trading and other direct marketing firms. Rakesh has served as Senior Advisor to The Carlyle Group and is Chairman of Innovairre as also the Chairman of Estee India Fund.
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Thomas Rowles
Thomas Rowles, a strategic advisor and early investor, retired from KPMG after serving as partner in Risk Management Advisory Services. Tom volunteers on several boards: the FC Georgia United; his soccer club; the DeKalb Trailblazers, a youth cross country team; and the Atlanta Hospital Hospitality House. Tom attended Emory University and was captain of the soccer team, he was inducted into Emory's sports hall of fame in 1997.
Tai-Chin Tung
Tai-Chin Tung, a strategic advisor and investor, has over 30 years of experience in the investment industry, having held executive leadership roles in the United States and abroad. Tai-Chin's multi-disciplined experience and multi-functional approach is the foundation for her solution-oriented investment approach.
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Blakely Page
Blakely Page, a strategic advisor and investor, is a Managing Partner at Spouting Rock Financial Partners where he is in constant search for "Best Ideas" investments for his families and others. His focus is identifying high quality leaders and entrepreneurs that have a proven track record of being successful.
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Ramana Bhandaru, a strategic advisor and early investor, is a Vice President at Capgemini for Financial Services. He was a Managing Director at Citigroup prior to joining Capgemini.
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Builders
Devraj Agarwal
Devraj Agarwal, Head of Product Development, manages the product development from the offshore team. He has more than 15 years of experience in managing and supporting software applications during his career at Fitch Ratings and KPMG. At Fitch, he led initiatives in building financial models and implementing business intelligence systems.
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Christopher Waters
Christopher Waters, Client Implementation Partner, is a single point contact for clients. He has 10+ years experience working with financial services technology - Interactive Data's Wealth Solutions group specializing in custom web portals and mobile applications, and at Thomson Reuters supporting their premium desktop clients. Chris enjoys spending his free time with family and friends, preferably on a beach with his toes in the sand and a cold drink in hand.
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Stephan Granitz
Stephan Granitz, Head of Analytics and Chief Compliance Officer, researches efficacy of new retirement income strategies and develops analytical testing suites for the software. He has gained relevant experience analyzing large complex data sets and extracting valuable insights while working as an intelligence analyst. Stephan is an avid traveler having explored more than two dozen countries seeking new cultures and cuisine.
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Daniel McDonald
Daniel McDonald, Sr Software Architect and Chief Information Security Officer, is developing the next version of our software. Dan has an impressive background in software engineering, architecture, cloud operations and automation. As Software Engineer at Amplify Education, he worked to make their many diverse components resilient, rapidly updatable and scaled to thousands of simultaneous users. Daniel makes a delicious corned beef stew.
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Elias Zaretsky
Elias Zaretsky, Sr. Software Architect, is developing the next version of our software. Elias brings diverse experience in software architecture and development spanning various fields including messaging, mobile email, health/wellness, and cloud. At Verizon, Elias architected, designed, and developed elements of the REST API, network orchestration, and high-availability features of the Verizon Enterprise cloud. Elias enjoys spending time with his family and travelling. He has visited 3 continents and hopes to visit the rest some day.
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Anne Nunan
Anne Nunan, Director of Human Resources, finds innovators and great thinkers and co-defines with our CEO approaches to empower and motivate them. Anne was the HR Executive Director for Technology & Operations at Morgan Stanley. She advised managers on organizational development, policy, employee relations, recruitment, promotions & mobility, training, performance management and compensation. Anne is always on the move, she enjoys keeping up with her active children and long-distance running.
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