Manish Malhotra, President & CEO, is an Engineer-MBA from top universities and a Wall Street veteran of Citigroup and Bank of America. Manish and the Income Discovery team used the confluence of finance and software knowledge to create an artificial intelligence engine known as AIDA. AIDA delivers up to 20% more safe retirement income to mass affluent and affluent retirees. Manish published a paper describing a new risk-reward framework for retirement income in the Journal of Financial Planning. This paper was the foundation for the breakthrough invention of AIDA. Empowered by AIDA, financial institutions can scale and deliver a personalized optimal income strategy for 66 million soon-to-be-retirees.


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 both Innovairre and the Estee India Fund.

Tai-Chin Tung, a strategic advisor and investor, has over 30 years of experience in the investment industry, having held executive leadership roles with Schwab and Fidelity in the United States and abroad.

Thomas Rowles, a strategic advisor and early investor, retired from KPMG after serving as partner in Risk Management Advisory Services. Tom was the partner-in-charge and national director for KPMG's valuation practice when it was launched in 1987. He also was the Southeast, Mid-Atlantic and West regional partner in charge of the corporate transactions groups for many years. In 2001, Tom relocated to New York City where he became a risk management partner for the United States and Latin America consulting groups.

Ramana Bhandaru, a strategic advisor and early investor, is an Executive Vice President at Capgemini with global responsibility for Insights & Data. He was a Managing Director at Citigroup prior to joining Capgemini.

In his own words...

Who can better describe the motivation and methodology behind Income Discovery's AIDA breakthrough than its creator, Manish Malhotra? In this revealing interview, Manish lays it all out in a clear and straightforward manner. Take a look: