Research

Research

Advisor Perspectives
The analysis framework evolved over two years of work, starting with the first article our founder wrote in Advisor Perspectives. It outlined the need for a comprehensive framework that covers all retirement income related decisions and demonstrated how different investment strategies can be compared on the basis of the risk of accomplishing the objective that may be a generation of a single cash flow or a series of cash flows.

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Journal of Financial Planning
Further evolved version of the analysis framework that identified two reward and three risk metrics was published in Journal of Financial Planning. The paper outlined the effect of various strategies on the metrics, which planners can use in building an income strategy customized to client’s unique situation.

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Advisor Perspectives
In this article, the Income Discovery's CEO addresses the critics of annuities by making the point that an immediate annuity is a superior strategy to fund the last phase of retirement compared to the popular systematic withdrawal strategy or the bond ladder strategy. Counter-intuitively, the strategy of using an annuity for the last phase of retirement can even generate a higher legacy amount for the client.

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Journal of Financial Planning
Our CEO contributes regularly to RetireMentor, a publication of Wall Street Journal MarketWatch, where experts provide guidance on topic of retirement.

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