Award-Winning Advice From Industry-Leading Experts
We are an award-winning registered investment advisory firm serving clients nationwide from our offices in downtown San Francisco. Our team of Chartered Financial Analysts and math PhDs use software to actively monitor and manage our clients' IRA, Roth, and taxable accounts from a household-wide, long-term perspective.
Bo LuCo-Founder & CEO
Bo is the lead investment advisor representative and holds a Series 65 license. Bo earned a degree in Computer Science from the University of Illinois Urbana-Champaign with a minor in Technology and Management.
Jon XuCo-Founder & CTO
Jon is co-founder, interaction designer, and engineer at FutureAdvisor. Before founding FutureAdvisor, he worked on Exchange ActiveSync, Windows Live Mobile, and Windows Phone 7 at Microsoft. Jon holds a degree in Computer Science from MIT.
Meet the team
We are a group of engineers and finance geeks, passionate about technology and the ways in which it can improve lives. We are savvy investors and subscribe to academically researched portfolio management principles. We believe that long-term portfolios should be based on objective advice, diversification, tax efficiency, and low-fee index funds. We're making real investment management available to everyone.
Florens AcevedoProduct Designer
Florens is a product designer with the goal of crafting experiences users will love. She believes everyone should have access to the tools needed for financial success and is excited for the world to discover FutureAdvisor. Florens holds a Management Engineering degree from the University of Waterloo. She hopes you’re enjoying your time here.
Loren AustinOnline Marketing Manager
Loren focuses on marketing for the FutureAdvisor mobile application. Prior to joining the team he managed user acquisition campaigns for iOS and Android apps at Fiksu Inc., a Boston based mobile marketing and analytics firm. Loren enjoys surfing, rock climbing and the California sunshine. He graduated with a degree in English from Tufts University.
Harmeet BindraChief Compliance Officer
Harmeet holds a degree in Economics from the University of Virginia. He has over 7 years of experience in compliance within the investment management industry.
Ephrat BittonDirector of Algorithms
Ephrat leads the Algorithms team. She has a PhD from University of California at Berkeley in Industrial Engineering and Operations Research with a focus on Optimization Algorithms.
Sean BorellaClient Service & Operations Specialist
Sean holds his Series 65 license and previously worked at Hewins Financial Advisors. He graduated from California State University with a Bachelors degree in Business Administration.
Chris BruceSoftware Engineer
Chris is a software engineer at FutureAdvisor. He holds a Bachelor's in Computer Engineering from University of Washington.
Alice ChenLead Quality Assurance Engineer
Alice leads the Quality Engineering team at FutureAdvisor. Previously she led Mobile Quality Engineering at State Street Global Exchange and Personal Capital. Alice holds a degree in Industrial Engineering and Operations Research from UC Berkeley.
Joseph CiancioloVP Business Development
Joe works on new business opportunities. His work experience includes both investment banking and private equity. Joe holds a bachelors degree in Economics and an MBA from Pennsylvania State University.
Patrick ClarkFinancial Advisor
Patrick has over 10 years of experience in the Wealth Management industry. He graduated from Santa Clara University with a B.S. in Finance focusing on investments. He spent the bulk of his career at Fisher Investments in positions ranging from Investment Counselor to Training Manager to Portfolio Evaluation Senior Analyst. In addition to holding a Series 65 license, he has vast experience with Investment Suitability, Asset Allocation determination and Behavioral Finance. Outside of work he loves to travel globally with his wife and is an avid distance runner.
Lisa DuSoftware Engineer
Lisa is an engineer who has an avid interest in personal finance and economics. Previously she was a backend engineer on the cloud services team at Microsoft. Lisa holds a degree in Computer Engineering from University of Waterloo.
Drew EngelsteinDigital Marketing Manager
Drew came to FutureAdvisor from AKQA, where he held several roles including SEM Campaign Manager, Media Planner, and Data Scientist. He graduated from the University of California, Berkeley with a Degree in Economics.
Joe FahrDirector of Customer Acquisition
Joe previously ran paid acquisition and marketing analytics at Personal Capital. He holds a degree in Applied Mathematics from UC Berkeley.
Mike FalzoneSoftware Engineer
Mike is a software engineer at FutureAdvisor. He holds a Bachelor's in Economics from Texas A&M University and previously worked as a freelance software engineer.
Megan GrafClient Service & Operations Specialist
Megan previously worked at Fisher Investments, where she launched private wealth management operations in Europe and Canada. She graduated from UC Berkeley as a Conservation Resource Studies major with a focus in Nutrition.
Gary HallPortfolio Manager
Gary is a level 3 candidate for the Chartered Financial Analyst designation and works on the daily algorithm output. His work experience includes stock and bond trading operations, portfolio accounting, performance analysis, investment product analysis, and equity market research.
Lester KakolData Science Software Engineer
Lester works on the algorithms team at FutureAdvisor. He's very interested in personal finance and using data to inform decision-making. Lester holds a bachelor's degree in Mathematics along with a minor in Computer Science from Carnegie Mellon University.
Jesse KeyserDirector Of Marketing Partnerships
Jesse previously spent 11 years in D.C, at The Motley Fool, as the Site Product Manager, the GM of Ad Sales, and VP of Business Development. He has a bachelors degree from the University of Vermont.
Clyde LawFounding Engineer
Clyde is a founding engineer at FutureAdvisor. He holds a Master's degree in Computer Science at MIT, doing his thesis in the Advanced Network Architecture Group. At Microsoft, Clyde was a principal designer and was a developer of the File Classification Infrastructure in Windows Server.
Nick McCurryProduct Manager
Nick is a product manager at FutureAdvisor. He previously managed the development of mobile devices at GreatCall. Nick holds a BA from UC San Diego in the Study of Religion with a minor in Mathematics.
Kathleen McGuirkClient Service & Operations Specialist
Kathleen previously worked at Osborne Partners Capital Management where she managed the Client Services team. She is a graduate of UC Berkeley with a degree in Political Economy concentrating in International Economics.
Simon MooreChief Investment Officer
Simon holds the Chartered Financial Analyst designation and works on investing algorithms design. His work experience includes Putnam Investments, and the Bank of England. He has a degree from Oxford in the UK and a Masters from the Kellogg School of Management at Northwestern. Simon is the author of Strategic Project Portfolio Management (Wiley, 2009).
Chris NicholsonDirector Of Communications
Chris previously worked as a reporter for The New York Times. He has edited and reported for the International Herald Tribune, Radio France International, Architects' Journal, The Guardian, PandoDaily and Pacific Standard Magazine.
Dilip PatharachalamSoftware Engineer
Dilip is an engineer at FutureAdvisor. He is interested in strategies for wealth building & retirement income. Before FutureAdvisor, Dilip was an engineer at VMware for 3 years. He holds an MS in Human-Computer Interaction from Georgia Institute of Technology and BS in Computer Science from SVCE.
Rafik RobealSoftware Engineering Lead
Rafik leads the engineering team at FutureAdvisor. Previously, he founded two startups in the Seattle area. Prior to his entrepreneurial quest, he spent 7 years at Microsoft between Windows, SQL Server & Windows Phone teams. He has a keen interest in economics and investing. Rafik enjoys traveling, biking and can regularly be seen playing in competitive chess tournaments. He holds a degree in Computer Engineering.
Robert ShayeDirector of Customer Education
Robert opened his first IRA at age 15 and has geeked out on personal finance ever since. He'll talk about it while trail running in the Marin Headlands, hiking in Alaska, and even on the volleyball court. At FutureAdvisor, Robert hosts webinars and in-person talks that empower people to save for their future. Robert graduated from the U.S. Coast Guard Academy with a B.S. in Management and spent 10 years as an active duty officer. He received his MBA from the UC Berkeley Haas School of Business. Rumor has it that his first son is going to be named "Roth."
Audrey ShepherdOffice Manager
Audrey joined FutureAdvisor after having spent her post University years traveling and working abroad in over 50 countries. She is happy to have found her way back to San Francisco to support the incredible team at FutureAdvisor.
Mitch St. Peter, CFAActivation Marketing Manager
Mitch leads activation team marketing and is a financial advisor. Previously, he launched the mobile affiliate marketing program at Amazon.com and managed institutional equity relationships at Credit Suisse. Mitch graduated from Middlebury College and the Anderson School of Management (UCLA) with honors.
Will TuhacekFinancial Advisor
Will previously worked in the financial industry for 3 years before joining the U.S. Marine Corps and serving as an Officer for 4 years. He has lived, studied, and traveled in China and speaks Mandarin Chinese fluently. Will studied Business, Chinese, and International relations at USC.
Teagan WidmerSoftware Engineer
Teagan is a software engineering intern. She recently taught herself how to program and manages an open source project called Refuge Restrooms in her spare time. She holds a MFA in Theatre from Virginia Commonwealth University and a BA in English from Pacific Union College.
Alex WoodSoftware Engineer
Prior to joining FutureAdvisor, Alex was an API developer at a small software company in San Francisco. He's had experience working across the technological spectrum, from hard drive firmware to front-end web development. Alex holds a B.S. in Computer Science and a minor in Music from Cal Poly Pomona University.