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Finding Optimized Income Strategies for Middle Market Clients - Manish Malhotra

1 hr CFP®, CRC®, PACE CE

There are many alternative income strategies that can be used in isolation or in combination with total-return-based systematic withdrawal plan (SWP).

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Online elearning & MP3 Audio Download
Manish Malhotra, President, Income Discovery - Expert on Retirement Income Planning Software Manish Malhotra, MBA, Founder, President & CEO, Income Discovery - Expert on Retirement Income Planning Software        

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About this course:

Retirees and pre-retirees are puzzled with a plethora of choices in structuring their retirement income. Seemingly trivial decisions can have a big impact on success of their retirement income plans.


To compare various strategies on an apples-to-apples basis, a common risk-reward framework for retirement income is needed.


Such a framework is proposed in this elearning session, where the impact of various income strategies is demonstrated for a middle market couple who have an extremely poor chance of making it safely through retirement if they use the approach their peer group typically adopts to retirement income planning. An alternate plan with seemingly trivial changes is presented, dramatically improving their retirement security and giving them the retirement income they desire with significantly higher safety, so they can have peace of mind and enjoy their golden years.


Manish Malhotra, President of Income Discovery, Manish provides a general outline of the effect of various income strategies appropriate for the middle market and explains an analysis framework for comparing retirement distribution strategies. A case study brings it all together to demonstrate the art of building an income plan that mixes a systematic withdrawal portfolio with a fixed source of cash flow so that the plan provides an acceptable level of confidence and reasonable protection in unfavorable markets.


Attendees will learn:

  1. A retirement income analysis framework, including risk and reward metrics  The Finding Optimized Income Strategies for Middle Market Clients - Manish Malhotra

  2. A comparison of the performance of different strategies, with and without a reverse mortgage

  3. Results for a middle market retiree using different strategies, including

    • Working longer and saving more

    • Social Security benefit conversion to different claim age

    • Immediate and fixed deferred annuities

    • Reverse mortgage with lifetime payout

Your instructor for this live professional development webinar is:

Manish Malhotra, Founder and President of Income Discovery, optimizing software for retirement income strategies. In a landmark JFP article published he proposed a new risk-reward framework for analyzing retirement income strategies, which is used in concert with Income Discovery to find strategies that provide higher retirement income at less risk. He was worked at Citigroup, Bank of America and Nomura Securities. He holds MBA and Engineering degrees from top colleges in India.


Retirement Speakers Bureau

Moderator: Betty Meredith, CFA, CFP®, CRC®, Int'l Retirement Resource Center Managing Member and InFRE's Director of Education and Research


Please visit the Retirement Speakers Bureau to find out how you can request these presenters and other industry leaders to speak at your next meeting, conference, or other event.


View a brief YouTube clip of this and other courses:
Finding Optimized Income Strategies for Middle Market Clients - Manish Malhotra - YouTube clip
Visit Retirement Insight & Trends for articles by leading industry experts:
Finding Optimized Income Strategies for Middle Market Clients - Manish Malhotra  - Retirement InSight and Trends article

Your satisfaction guaranteed: We know that you will be pleased with your purchase of this product. If, however, you are not completely satisfied with these courses, see our refund policy.

Specifications: 60 minute elearning course
SKU: 03IRRCFindingOptimizeElearn14
Knowledge Level: 3 - Intermediate