About Income&

At Income&, we're reinventing fixed income investing for people like you with a product that seeks returns of 6% or more while offering reliable monthly income with lower risk.

Founded in 2014, Income& is a San Francisco-based financial technology company that pioneered the PRIMOTM. Led by a team of seasoned executives from some of the most innovative and successful financial service firms in the world, Income& is revolutionizing the fixed-income marketplace.

About Income&

We started with a tough problem

We’ve seen our parents transition from the workplace to retirement. Like other retirees, our parents need to replace work income with a stable source of investment income that provides solid returns but avoids excessive risk. That’s why we founded Income&.

We discovered a surprising solution

We found our answer in residential mortgages — specifically the highest credit quality, nonconforming mortgages that banks and other lenders can’t sell to Fannie Mae or Freddie Mac. Income& acquires those nonconforming loans made to borrowers with great credit and a strong ability to repay. By dividing these high-quality mortgages into small pieces, we invented a way for people like our parents to own shares in these mortgages.

And thus was born the PRIMO.

Learn more about PRIMOs

Where can you find reliable income?

The stock market is volatile. Government bonds and CDs are reliable but they don’t generate enough income. It’s a huge problem that no one has solved until now.


Brad Walker

Brad Walker

CEO, Former Director of Institutional Product & Strategy, PENSCO Trust
Vincent Phillips

Vincent Phillips

CTO, Former CTO, Copart; Former CEO, Charles Schwab CyberTrader
Keith Meyer

Keith Meyer

CMO, Former VP Customer Experience, Commonwealth Bank; Former Head of Marketing, Prosper



Advisory Board

Colin Walsh

CEO & Co-Founder, Varo Money

Jeffrey Lyons

Former EVP, Charles Schwab

Mike Norris

Former VP Investor Services, Lending Club

Vicki Cullen

Former SVP Capital Markets, Bank of America

Vincent Turner

Founder & CEO, uno.

Georges Sabongui

Managing Partner and Co-Founder of Champlain Group LLC

Richard Arnold

Former CFO, Charles Schwab

Income& Partners

Cibo innotech iSeed Ventures Eisner Amper Unbank Ventures FinTech Sandbox PNP Fintech