Award-Winning Advice From Industry-Leading Experts

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 Lu

Co-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 Xu

Co-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.

Backed by winners

We are backed by luminaries that have invested in and grown truly world-changing companies. Our angel investors include entrepreneurs and executives who have built Google, Square, Yelp, YouTube, and PayPal.

Sequoia Capital Canvas Venture Fund Y Combinator Kapor Capital Devonshire Investors Youniversity Ventures

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 Acevedo

    Product 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 Austin

    Online 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 Bindra

    Chief 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 Bitton

    Director 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 Borella

    Client 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 Bruce

    Software Engineer

    Chris is a software engineer at FutureAdvisor. He holds a Bachelor's in Computer Engineering from University of Washington.

  • Alice Chen

    Lead 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 Cianciolo

    VP 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 Clark

    Financial 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 Du

    Software 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 Engelstein

    Digital 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 Fahr

    Director 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 Falzone

    Software 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 Graf

    Client 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 Hall

    Portfolio 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 Kakol

    Data 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 Keyser

    Director 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 Law

    Founding 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 McCurry

    Product 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 McGuirk

    Client 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 Moore

    Chief 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 Nicholson

    Director 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 Patharachalam

    Software 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 Robeal

    Software 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 Shaye

    Director 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 Shepherd

    Office 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, CFA

    Activation 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 Tuhacek

    Financial 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 Widmer

    Software 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 Wood

    Software 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.