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 confluence of finance and software knowledge to create an artificial intelligence engine known as AIDA that delivers up to 20% higher safe retirement income to mass affluent and affluent retirees. He published a paper describing a new risk-reward framework for retirement income in the Journal of Financial Planning, a foundation for the breakthrough invention of AIDA. Empowered by AIDA, financial institutions can scalably 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.
Shankar Iyer, is a business leader with over 30 years of experience in building companies with a global footprint in the financial & technology industry. His company VITEOS was acquired by Intertrust where he serves as the Chief Solutions Officer and is a member of the Global Executive Committee of the firm.
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. During his career, Tom was the national director for KPMG's valuation practice, a regional partner in charge of the corporate transactions groups, and a risk management partner for the U.S. 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.
Stephan Granitz, Chief Analytics Officer, leads the analytical methodology development and validation of AIDA to certify the financial advice produced by AIDA and satisfy diligence by model risk teams and regulators. Stephan has a Master’s Degree in Data Science from Northwestern University with a focus on advanced statistical analysis, machine learning, and artificial intelligence. He also has a Master’s Degree in International Economics and Finance from Brandeis University’s International Business School.
Elias Zaretsky, Chief Software Architect, leads the software architecture for Income Discovery. His past experience includes Verizon Terremark, where he designed and developed cloud REST APIs, led the networking orchestration team, and contributed to the high-availability features of the Verizon Enterprise cloud. His earlier experience is spread across Telekol, Nokia and Dossia. He holds a Bachelor's degree in Management Information Systems from Northeastern University.
Stacy McDowell, Director, Product Management & Client Implementations, works directly with the Firm’s clients and internal software developers on the design, development, and implementation of new products, as well as enhancements to and maintenance of existing products. Prior to Income Discovery, Stacy spent 20 years at E*TRADE, focused on retirement operations, product management, and advisor support. Stacy graduated from the University of California, Davis, with a Bachelor of Science Degree in Managerial Economics.
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.