Our passion is to help people make the best financial decisions so they can live the life they aspire to live

Ritik Malhotra is a repeat technical founder with two prior exits (one to Box in 2014 and one to Brex in 2019). Most recently he was Director of Product Management at Brex where he started and built Brex Cash, Brex’s second business line after the corporate card. He’s now building Savvy, a tech-enabled wealth management firm. Ritik is a Y Combinator and Thiel Fellowship alum and holds a B.S. in Electrical Engineering & Computer Science from UC Berkeley.

*Ritik leads as CEO for both Savvy Wealth Inc. and Savvy Advisors.

Muller has over a decade of experience launching products and scaling teams across LinkedIn, Facebook, Airbnb, and Brex. Prior to Savvy, Muller was a Senior Engineering Manager at Brex where he started and launched Brex’s Bill Pay product line. While he was at Airbnb, Muller led the effort to establish Airbnb’s NYC engineering office and at Facebook, Muller led and launched Facebook’s standalone Messenger web platform, messenger.com.

Amir Har-El leads Operations at Savvy, bringing with him over a decade of experience operating and leading teams at high-growth technology companies. Prior to joining Savvy, Amir led revenue growth and profitability efforts at DoorDash and portfolio strategy initiatives at Marcus by Goldman Sachs. Amir began his career as a proprietary equities trader, focusing on US and Canadian markets.

Amir received his B.S. from the University of Maryland and his MBA from NYU Stern, where he was a Harvey Beker and Money Marketeers Scholar. Amir lives in Larchmont, NY with his wife and two kids.

*Amir leads operations for both Savvy Wealth Inc. and Savvy Advisors.

A Los Angeles native living in New York City, Rajat brings 10+ years of payments and fintech marketing experience from Visa, Square/Block, and Brex to the firm, where he oversees all marketing initiatives on behalf of Savvy’s brand as well as its financial advisors. His specialities and expertise are in go-to-market strategy, product marketing, and demand generation, which he's used to launch and scale multiple successful technology products. An avid sneaker collector, halfway decent tennis player, and airline points & miles geek, Rajat is always on the hunt for the next sneaker release and loves "travel hacking" in his free time.

Education: Rajat received his B.A. from UC Berkeley and lives in the Dumbo neighborhood of Brooklyn, New York.

John Khoury is a Principal Wealth Manager at Savvy and brings 20+ years of wealth management experience working with families, business owners, and organizations. He has a passion for providing fiduciary advice for his clients and helping them with complex wealth management. He specializes in transitions, such as retirement, business sales or other liquidity events, paying for college, divorce, and loss of a loved one. 

Joining Savvy in November 2023, John was VP Sr. Financial Consultant at Schwab for 15 years and VP Financial Consultant at Fidelity for 8 years. At Schwab, John worked with 400 high net worth families and organizations, with over $300M in advisory services.

John Khoury lives in Boston Metrowest with his wife and three children. In his free time, he enjoys sports, family time, and volunteering with his local educational and charitable organizations.

Education: 

John holds a Bachelor of Science with concentrations in Business & Finance from University of Massachusetts, a Master’s in Financial Planning from University of Nebraska, and holds his Series 7, Series 66, and Insurance Producers licenses as a practicing Financial Advisor.

Nathan brings 15+ years of investment experience to Savvy. He began his career as a research analyst at a boutique quantitative equity management firm, where he helped research and implement new factors to drive portfolio performance. During that time, he entered the institutional consulting field and helped plan and implement portfolio strategies for multiple pension funds across the west coast of the United States.

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In 2013 Nathan founded Greyfox Investors, with the goal of providing intelligent, approachable wealth management strategies for families, nonprofits and institutions. Nathan is particularly passionate about providing ESG focused solutions to clients and helping align investments with his clients’ ethics.

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Nathan lives in southern California with his three children and two dogs. A true outdoorsman and philanthropist, he spends his time outside of work camping, skiing, and volunteering his time with a variety of educational and environmental non-profits.

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Education

Nathan double majored in Political Science and History at Trinity University and holds his Series 65.

Marisa Joelson (known as Maya) is Founding Principal Wealth Manager and Global Investment Strategist at Savvy. Maya has two decades of experience advising CEOs, technology executives, hedge fund managers, families, and individuals on their investment decisions. Her differentiated ideas have been featured in the Wall Street Journal, Barron's, and at the World Economic Forum. 

Maya worked for the #1 Institutional Investor equity research analyst team on Wall Street covering US retail before moving to London where she focused on emerging markets. In London, she worked at Renaissance Capital and advised the world’s leading mutual fund and hedge fund managers, including Goldman Sachs and JP Morgan, on their investments in Emerging Europe and Africa. She later became the macroeconomist and financial market advisor to Rio Tinto, the second largest mining firm in the world. In this role, she provided global insight to the CEO on economies and financial and commodity markets including China, India, Japan, Chile, USA, and Europe. 

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While at Harvard in 2004, she wrote the first paper for the World Economic Forum on the business case for corporations to advance women and diverse talent. Her paper in 2004 was presented at Davos to 100 CEOs and spurred the start of WEF highly regarded Gender Programme to track how nations fare in capturing the talent of half their population. Later, McKinsey, Credit Suisse, UBS and other major corporations followed suit to develop research and statistics to show that gender balanced and diverse teams lead to better financial performance and reduced groupthink. 

Education: 

Maya Joelson holds a MPA from Harvard and a MBA from Northwestern (Kellogg). She graduated with the prestigious College of Social Studies major from Wesleyan University.  While at Wesleyan, Maya worked and lived in Russia (Moscow and St. Petersburg) during this historic and tumultuous period.

Dan is originally from the Chicagoland area and earned his Bachelor's Degree from Fordham University in Bronx, NY. Following graduation, Dan moved back to Chicago and joined Eze Software Group, a FinTech company that delivers execution and order management software to institutional trade desks. At Eze, Dan worked closely with Product Managers, Software Engineers, Head Traders, Portfolio Managers, and Compliance officers to design and implement trade execution order flows. After four years working with Eze, Dan moved to Bellingham, WA with his now wife, Jess and joined a local Merrill Lynch office where he obtained his Series 7, Series 66, and Insurance Producers licenses and practiced as a Financial Advisor.

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In 2019, Dan transitioned to LPL Financial & Clarity Capital Management where he continued to practice as a Financial Advisor in Bellingham, WA until joining the Savvy Wealth Management Team in August, 2022. Dan aims to help clients achieve their financial goals by delivering highly customized investment strategies & financial plans. In his free time, Dan enjoys golfing, water skiing on Lake Whatcom, and spending quality time with his wife and three dogs.

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Education

Dan holds a Bachelor of Business Administration with concentrations in Finance and Information Systems from Fordham University in Bronx, NY and holds his Series 7, Series 66, and Insurance Producers licenses as a practicing Financial Advisor.

Meet Ryan Bond, a Certified Financial Planner™ (CFP®) with a passion for helping clients achieve financial success and lead fulfilling lives. Ryan is originally from Baltimore, Maryland and earned his Bachelor's of Science from the University of Delaware where he was a triple major. Following graduation, Ryan moved to West Chester, PA to join Vanguard within their Accelerated Advisor Development program. Ryan got his 7 and 66 as well as the CFP® within months of graduating. 

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After several years with Vanguard, Ryan joined Personal Capital (now Empower) in January 2021 as a senior advisor where he managed a book of business of 300 clients with over $430M in AUM. Drawing on a wealth of experience as a financial advisor, Ryan specializes in a holistic approach to financial planning, addressing various aspects of his clients' lives. His expertise spans across tax planning, estate planning, investment management, insurance planning, retirement planning, as well as options and equity awards planning. 

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Ryan joined Savvy Wealth in August 2023, to allow further customization of his client portfolios and to be part of an exciting tech enabled platform that is paving the path for advisory relationships. Ryan works with a broad spectrum of clients, including professionals, private equity executives, small business owners and other successful individuals and families. 

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With a deep-rooted love for the outdoors, Ryan finds inspiration in climbing, hiking, & skiing, often accompanied by his loyal companion, Boh, a Cavalier King Charles Spaniel.

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Whether it's mapping out a comprehensive retirement plan, optimizing investment portfolios, or protecting his clients' financial legacies, Ryan's meticulous attention to detail and comprehensive expertise make him a reliable guide on the path to financial prosperity.

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Education

Ryan holds a Bachelor of Science with majors in Finance, Economics, and Financial Planning & Wealth Management from The University of Delaware and holds his Series 7, Series 66, and CFP® licenses as a practicing Financial Advisor.

Eric Kirste, CFP®, CIMA®, AIF®  is the founding Principal Wealth Manager at Savvy Wealth. With a deep-rooted passion for service and enriching the lives of others, Eric found his calling as a wealth management professional early on. Eric brings 22+ years of experience working closely with business owners, individuals and families in transition, helping them navigate difficult changes. Compassion is important to Eric, and his goal is to help clients who are going through a divorce or grieving the loss of a spouse or family member get through the transition to financial independence and overcome new challenges with confidence. He also helps business owners and professionals nearing retirement to be best prepared for their ideal retirement lifestyle.

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At Savvy, he strives to help his clients align their money with their values, provide integrated solutions to serve all of their financial needs, and empower them to make a lifetime of smart financial decisions. Importantly, Eric is committed to keeping his clients’ best interests top of mind while offering ongoing guidance, encouragement and accountability.

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With a passion for helping others, Eric has volunteered for the Foundation for Financial Planning, AARP and Wings for Widows. Eric is a native of the northwest suburbs of Chicago. He is committed to giving back to his community and serves as the Treasurer for the Prospect Heights Park District Board of Commissioners and the Old Orchard Country Club. He enjoys spending time with his wife, Alisa, their two sons, Logan and Matthew, and their rescue dog, Bear.

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Education

Among his achievements, Eric has obtained several professional certifications, including the CERTIFIED FINANCIAL PLANNER™, Certified Investment Management Analyst®, and Accredited Investment Fiduciary®. He earned a Bachelor of Science in Business Finance from Miami University in Ohio and has completed the CERTIFIED FINANCIAL PLANNER™ certification education through Northwestern University, as well as the Investment Management Education Program from the University of Chicago's Booth School of Business.

Michael Most is a seasoned financial advisor at Savvy. He began his career as a Financial Advisor back in 1996, and since then has been fortunate enough to amass a wealth of experience guiding corporate executives, business owners, and individuals towards achieving their financial goals.

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Since moving to Fort Lauderdale with his family in 2014, he has been dedicated to helping his clients navigate the complexities of wealth management. Whether they are striving for personal financial growth or seeking to optimize your business’s financial strategies, Michael is here to help provide tailored solutions that help bring clients closer to financial success. 

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Michael is committed to giving back to his community through service as an active volunteer in children’s charities and supporting and finding homes for stray animals. In his spare time, he enjoys the outdoors by playing tennis and golf. 

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Education

Michael holds a BA with majors in Economics and Psychology from Hunter College and is a CRPC^TM designee. 

Brent brings 15+ years of financial planning, investment and insurance experience to Savvy.  He is passionate about helping clients align their financial goals and aspirations with the right strategies to help them plan for the future and remove financial roadblocks. Brent enjoys building existing and new relationships with his clients by analyzing and developing financial forecasts with actionable plans to guide them through their wealth management, including retirement, investment, risk management, lending, banking, and business and multi-generational planning. Using an educational approach, he encourages clients to ask questions as we work together to design a plan for their financial future.

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Brent is a long-time resident of Northern Kentucky & Greater Cincinnati with his wife Nikki and three children.  He is committed to giving back to the community through service as a member of the Northern Kentucky Estate Planning Council and Northern Kentucky Chamber of Commerce and serves on the St. Elizabeth Foundation Board. In his spare time, he enjoys spending time with friends and family, reading, coaching and playing soccer, golf, tennis, backpacking, and traveling.

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Education

Brent holds his CFP®, ChFC®, APMA®, and BFA designations, and earned his Bachelor's degree from the University of Kentucky. He went on to complete his Executive MBA from the Quantic School of Business and Technology.

As a CERTIFIED FINANCIAL PLANNER™ professional and an Enrolled Agent authorized to represent taxpayers before the Internal Revenue Service, Frank provides tax guidance to clients as part of his advisory relationship. Frank Remund grew up in southwest Washington as the youngest of three children in a highly competitive family. From a young age, he learned that knowledge, planning, and hard work are the keys to success, and that listening is crucial.

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Frank's interest in investing was kindled as a child when he was gifted a few shares of stock. This initial curiosity has since matured into a lifelong passion. After graduating from high school, Frank was accepted into the University of Washington. There, he pursued his Bachelor of Science degree in Economics while also competing on the Huskies’ track and field team as a high jumper and serving as the team captain. The fundamental lessons that Frank learned during his upbringing have been instrumental throughout his professional journey. They have enabled him to establish strong, personal relationships with his clients, understand their priorities, and develop personalized financial plans that secure their financial success.

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Frank is a member of several professional organizations, including the Garrett Planning Network. He has also had the privilege of teaching the rigorous Retirement Income tax course for H&R Block tax professionals, as well as courses on Employee Stock Plan Compensation, Restricted Stock Units, Employee Stock Purchase Plans, and Non-Qualified Options.

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Frank now joins Savvy Advisors, bringing his wealth of experience and passion for financial planning. He resides in Boise, Idaho, with his wife Abby and their four very active school-age boys. In his spare time, he enjoys volunteering as a coach for their baseball, soccer, and basketball teams. Frank's life is enriched by family, church, and work, and he considers himself very fortunate.

Erich Yost, CFA is a Principal Wealth Advisor at Savvy Wealth.  Erich joined the firm after 12 years as a key member of an investment team at Veritable managing $2.5+ billion for ultra high net worth families.  He enjoys solving complex financial issues for his clients and is passionate about making the puzzling world of investing both approachable and understandable.  By simplifying this part of his clients’ lives, he provides them with freedom to focus on what really matters.

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Erich aims to ensure his clients’ families are well positioned for financial and investing success into the future by actively engaging with the next generation.  By building relationships and actively collaborating with clients’ children, he has found the entire family gains an important sense of comfort that they can handle anything thrown their way. 

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He finds himself frequently distilling the overwhelming amount of current events impacting client portfolios as a curious investor.  He reads constantly and appreciates a wide range of opinions.  Uncertainty is an unavoidable part of life, but a well constructed financial plan paired with the conviction to stick with it is the perfect antidote!

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He lives in a suburb of Philadelphia with his wife, young son and rescue dog.  When he’s not helping clients, he can be found chasing down his energetic son, engaging in his lifelong goal of improving his golf game or staying fit.

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Education

Erich graduated summa cum laude from Saint Joseph’s University with a BS in Finance and Management Information Systems.  Erich is a CFA® charterholder and a member of the CFA Society Philadelphia. 

Dan brings 25+ years of experience in financial services together with a wide depth of financial acumen and differentiated perspective given his prior experience as both an institutional trader and sales trader. This background enables him to help guide clients through the full spectrum of financial concerns. Having invested through bull and bear markets, he understands the importance of the big picture and that times of uncertainty can often be times of opportunity. In today's environment of economic and political uncertainty, clients need a financial compass - an experienced and trusted advisor who can help them navigate toward their financial futures with greater confidence.

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Dan works with a broad spectrum of clients, including professionals, private equity executives, small business owners and other successful individuals and families. While each client has their own unique financial goals, they all have one thing in common: appreciating the value of advice from a trusted, experienced advisor who has been through decades of boom and bust cycles.

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He currently lives in Rye, New York, with his wife, Christine, and their four children, Ella, Logan, Connor and Charlie.

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Education

Dan earned his bachelor’s degree in Finance from Villanova University in 1991.

Jacob DuBose is a Certified Financial Planner™ professional based in Denver, Co. Jacob brings over 18 years of industry experience to Savvy.  His renewed focus is on using Savvy's unique blend of cutting edge technology and operational efficiency to introduce more simplicity into the financial lives of his clients. "Simple is rarely easy", says Jacob. "Savvy's platform is designed to deliver complex solutions with simplicity and transparency".

Away from his desk, Jacob enjoys spending time with his family and splitting time between mountain bike and snowboard seasons.

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Education

Jacob DuBose earned a Bachelor of Arts in Philosophy from Texas Tech University and received the Certified Financial Planner (“CFP”) designation in 2019.