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Your Retirement Income Edge Starts Here.

Let us show you how Income Discovery, and our Adaptive Income Discovery Agent, can help your team deliver scalable, personalized, tax-smart retirement income strategies with clarity and confidence.

  • Optimize income by delivering as much as 30% increase in safe income¹ or a 5x increase in legacy²
  • SOC 2 Type II Certified
  • Serve over 158,000 retirees with $168.5B in assets (as of 12/31/2025)
  • Used by top advisory firms and platforms
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“Income Discovery’s personalized planning approach makes it easy to deliver clarity and confidence when looking to optimize income during retirement.”

Manish Malhotra, Founder & CEO

Disclosures:

  1. Safe retirement income refers to income with a 90% probability of lasting into a retiree’s mid-90s. It includes all sources—Social Security, pensions, annuities, investment withdrawals, and other cash flows. Strategies such as deferring Social Security, annuity purchases, pension payout choices, allocation changes, tax-efficient withdrawals, and capital gains management can increase safe retirement income. Results vary based on individual factors and market conditions. Projections have risks and limitations.
    See our blog post for details – Optimized personal retirement income strategy
  2. Retirees satisfied with their planned spending may instead focus on maximizing their after-tax legacy. This can be influenced by strategies such as Social Security deferral, pension payout choices, portfolio allocation, tax-efficient withdrawals, and capital gains management. Results vary based on individual factors and market conditions. Projections have risks and limitations.
    See our blog post for details – Optimized personal retirement income strategy
This website is solely for informational purposes and is intended for financial institutions and their professionals.