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Investment Committee

Burt Malkiel biography at Rebalance IRA
Burt Malkiel

Investment Committee Member

Burt in the Press:

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Professor Burton G. Malkiel is the Chemical Bank Chairman’s Professor of Economics, Emeritus, and a Senior Economist at Princeton University. A prolific author and highly respected voice in the investment industry, Professor Malkiel has written hundreds of scholarly articles and opinion pieces in publications such as The Financial Times, The New York Times, and The Wall Street Journal, and has authored no less than 17 books. Among those is the investment classic, A Random Walk Down Wall Street. Now in its 10th edition, this seminal work has sold more than 1.5 million copies and has played an important role in encouraging the use of low-cost, diversified “index funds” by institutional and individual investors. These are fundamental components of the Rebalance IRA investment platform and methodology.

A deeply knowledgeable and sought-after economist, Professor Malkiel served on the boards of several major corporations, including The Vanguard Group — where he served for more than 25 years as a key member of its Board of Directors. He also was on the boards of Prudential Insurance Company, The American Stock Exchange, and The Pew Charitable Trusts and was a member of President Gerald R. Ford’s Council of Economic Advisors.

An accomplished scholar, Professor Malkiel received his B.A. in economics, Phi Beta Kappa, from Harvard University. He has an M.B.A. from Harvard Business School and a Ph.D. in economics and finance from Princeton University. He has long held professorships in economics at Princeton, where he was Chairman of the Economics Department. He was Dean of the Yale School of Management, and a past President of the American Finance Association and the International Atlantic Economic Association.

Despite his myriad accomplishments and professional experiences, there has been one unwavering constant in Professor Malkiel’s career: his passionate belief that the power and efficiency of low-cost, diversified, and well-balanced index-based investing should be available to all American families, regardless of income or economic status. It was this passion that led him to write A Random Walk Down Wall Street 39 years ago, and it is the same passion that makes him a part of our team today.

 

 

Charley Ellis biography at Rebalance IRA
Charley Ellis

Investment Committee Member

Charley in the Press:

How much does your money manager cost you? (CNN Money) The Rise and Fall of Performance Investing Scott Puritz Baltimore Sun NYT Cover Jan 2013 Index Revolution

Dr. Charles D. Ellis is the founder and former managing partner of Greenwich Associates, an international consultancy where he advised large institutional investors, foundations, and government organizations in more than 130 financial markets across the globe. He taught investment management courses at the Yale School of Management and at Harvard Business School. He sat on the Board of Directors of America’s largest fund company, The Vanguard Group, which manages over $1.7 trillion dollars in assets. In addition, Charley was a successor trustee of Yale University, where he chaired the university’s famed investment committee with David Swensen. He was awarded the Graham & Dodd Award of Excellence from the Financial Analysts Journal and is one of only twelve people recognized by the CFA Institute for lifetime contributions to the investment profession. He has served on the governing boards of both Harvard and Yale business schools, as well as New York University’s Stern School of Business and Phillips Exeter Academy.

In short, Charley is one of the most highly regarded and sought-after experts in the investment field.

Despite this, one of his most fervent beliefs regarding long-term investing is decidedly unexpected: Don’t waste your time or money trying to actively beat the market by picking and choosing stocks. Those who still do are playing a “loser’s game,” because almost no one can consistently produce higher returns over time than the market itself. He clearly expresses this in his book Winning the Loser’s Game, which has sold over 500,000 copies. In this landmark work, Ellis explains how lower costs lead to higher returns, and he champions the use of low-cost, diversified index funds over the more expensive, actively managed funds that are a staple of the major mutual fund firms.

Charley found that he was not alone in his views on investing, nor in his desire to help everyday Americans make the most of their money. He found an equally passionate voice in fellow Rebalance IRA Investment Committee member Burt Malkiel. The two went on to co-author The Elements of Investing, a straight-talking book about investing and saving that guides individuals and families toward financial security through commonsense advice and long-term, low-cost, passive investing.

His desire to help all individuals is evident through his work with The Partners of ’63 — a pro bono organization of Harvard Business School classmates and friends that supports change-oriented educational ventures for children born into difficult circumstances. It is this desire to help, this commitment to providing everyone with the tools and knowledge necessary to achieve prosperity, which ultimately brought him to Rebalance IRA.

Jay Vivian biography at Rebalance IRA
Jay Vivian

Investment Committee Member

Jay in the Press:

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Jay Vivian knows how to help people retire with more. As the former Managing Director of IBM’s Retirement Funds, he oversaw over $100 billion in IBM investment funds for more than 300,000 employees worldwide.  Analysts have praised IBM’s retirement options, often highlighting Mr. Vivian’s work as a model for money management.  In 2006, Plan Sponsor magazine named IBM “Plan Sponsor of the Year.” In 2007, Treasury & Risk magazine showcased Mr. Vivian among the “100 Most Influential People in Finance.” In 2010, Plan Sponsor gave him its Lifetime Achievement Award.

Known in the industry as a relentless cost-cutter, his remarkable achievements are due in no small part to his dogged commitment to, and success in, lowering fees. To him, even a hundredth of a percent matters a great deal when it comes to retirement investing.

Further underscoring his retirement fund prowess, Mr. Vivian is on the Board of Directors and Investment Committee of ICMA-RC, which manages more than $40 billion in public sector retirement-related assets. He is the founding Chairman of the Investment Subcommittee of the Committee on Investment of Employee Benefit Assets, a $1 trillion fund trade group. Mr. Vivian is also on the Investment & Pension Subcommittee for the charity United Way Worldwide, and recently has been named to the Board of Directors of AIMCo, the $75 billion provincial pension fund for Alberta public employees.

Vivian has been quoted as an expert in The Wall Street Journal, USA Today, Plan Sponsor, MSN Money, Asset International Chief Investment Officer, Pensions & Investments, and Institutional Investor. He holds an A.B. in mathematics from Bowdoin College, an M.B.A. from Harvard Business School, and a CFA® Charter from the CFA Institute.

Given his wealth of knowledge and experience managing retirement assets, his skill in fine-tuning asset allocations, and his remarkable ability to reduce fees, it comes as no surprise that Jay is a member of our Investment Committee at Rebalance IRA. After all, we would be hard-pressed to name anyone else with more insight and expertise in helping people retire with more.

Team

Mitch Tuchman, Managing Director of Rebalance IRA
Mitch Tuchman

Managing Director,
Chief Investment Officer

Mitch in the Press:

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Mitch Tuchman’s experience pioneering America’s first online investment advisory service helped him define and codify the retirement needs of working Americans. But it has been his experiences as a husband and a father that have helped him truly understand those lessons. Rebalance IRA is grounded in this understanding.

Mitch was an early adopter of retirement investment principles spearheaded by financial thought-leaders Burt Malkiel, John Bogle, and Charley Ellis. Seeing a need for low-cost, accessible retirement investment management, Mitch built a service for do-it-yourself investors to manage their own retirement portfolios. Modeled after strategies used by elite university endowments, pension funds, and foundations, that firm today helps individual investors manage more than 10,000 portfolios valued at over $4 billion. Those investors have saved over $40 million in yearly investment fees and have enjoyed less risk in the process, a testament to Mitch’s desire to help working Americans retire with more, which he brings to Rebalance IRA.

Mitch has 25 years of experience in venture capital, public finance, and technology. He was a sub-advisor to Apex Capital, LLC, on its $200 million technology and special situations portfolio and managed its venture capital fund. Tuchman was awarded a B.S. from Boston University and an M.B.A. from the Harvard Business School. He is a registered Investment Representative and holds a Series 65 securities license.

A frequent guest on CNBC, CNN, and Fox Business News, Mitch is regularly featured in major financial publications, including The New York Times, Barron’s, and Forbes Magazine. He also is a regular columnist for The Wall Street Journal’s investment website, MarketWatch.com.

Despite his experiences and accomplishments, Mitch is firmly grounded in what is truly important. Daren, his wife of 17 years, and their three children keep him happy and busy, while his oldest son’s severe disability keeps him humble and thinking years beyond his own retirement horizon. They all keep him motivated in his tireless drive to help everyday Americans retire with more.

Bio of Scott Puritz, managing director of Rebalance IRA
Scott Puritz

Managing Director,
Investment Committee Member

Scott in the Press:

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Scott Puritz on NBR Scott Puritz NCOBS

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When Scott Puritz first met Mitch Tuchman while attending Harvard Business School, there was an immediate connection. Entrepreneurial kindred spirits, their friendship continues to this day.

Scott is a nationally recognized retirement investing expert, with references in the New York Times, Wall Street Journal, NPR, Forbes, CBS, PBS and USA Today. He testified before the U.S. Senate on new rules designed to make retirement investing safer for all Americans.

Scott’s career endeavors have had a common thread: harnessing technology and entrepreneurship to deliver value where the need is great. He has successfully started and grown businesses that have helped millions of people.

At Rebalance IRA, Scott has assembled infrastructure and service delivery methods that bring our clients sophisticated investment advice and the personalized treatment offered by exclusive wealth management firms, for a fraction of the cost.

Scott brings the same enthusiasm to his philanthropic work. As a long-time member of the Board of Directors of the North Carolina Outward Bound School, Scott sits on the Investment Committee, which oversees the School’s $15+ million endowment. In addition, he helped establish and grow a fruitful Outward Bound scholarship program for inner-city teens, giving them the opportunity to develop the skills necessary to succeed in life.

Scott received his B.A. in economics, with distinction, from Tufts University, and an M.B.A. from Harvard Business School. Scott is a registered Investment Representative and holds a Series 65 securities license. With his wife Susan of 26 years, he is an avid supporter of his two daughters’ forays into travel, sports, and music.

 

 

 

 

 

 

 

Sally Brandon, VP of client services, Rebalance IRA
Sally Brandon

Vice President, Client Services

Sally in the Press:

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Sally Brandon brings deep experience and a broad skill set in developing and maintaining strong and personal client relationships. As a wife, mother, and one of the youngest members of the Rebalance IRA team, she brings an intuitive understanding of the personal side of retirement saving. She understands the difficulties encountered in thinking about retirement in one’s 40s, or even 50s, and how to navigate competing financial demands.

Sally began her retirement investment career at MarketRiders, where she supported many of the company’s retirement-investor clients, who collectively have more than 10,000 portfolios and $4 billion on the MarketRiders platform. She has advised individuals from a diversity of careers and a broad range of needs, from those just beginning their professional lives to retirees actively withdrawing from their savings. She finds great satisfaction in being able to guide people getting their retirement investments in order.

But she takes the most pride and enjoyment in using her expertise to help Americans just like herself enjoy their lives and protect their loved ones through a safe, stable, and effective retirement plan.

Sally spent her early career at The Gap, working in the international group as a financial analyst responsible for forecasting, planning and inventory investment strategies. She received a B.A. from the University of California at Los Angeles and an M.B.A. from the University of Southern California in 1992. Sally is a registered Investment Representative and holds a Series 65 securities license. Along with her husband of 20 years, Bill, Sally juggles the demands of three children while still finding time to train for half-marathons, do yoga, and, of course, help everyday Americans retire with more.

Eileen McPeake biography at Rebalance IRA
Eileen McPeake

Vice President, Investment Advice

Eileen in the Press:

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Eileen McPeake brings a passion for helping people invest their money wisely that comes from a life-changing event in her childhood: her father’s sudden death from a heart attack. Eileen watched her mother struggle with the stress of making investment decisions on her own. She understands how many smart, talented people can find retirement planning intimidating and she enjoys working with them to build a smart and safe plan with Rebalance IRA.

Eileen started her professional career in investment banking at Robertson, Stephens & Company in San Francisco, where she created rigorous long-term financial plans for corporate clients that aimed to maximize returns while minimizing downside risk. She later worked on the Wall Street trading floor of JP Morgan and witnessed first-hand how the movements in the stock, bond and commodity markets operate. Eileen next joined McKinsey & Company, first in London, England and later in New York City, where she worked as a management consultant to the leaders of Fortune 500 companies. While working with her clients, Eileen honed her active listening skills, learning to ask the right questions, patiently and thoughtfully, to tease out the real business problem at work in any given situation. Eileen brings all of these skills and experiences to bear when working with Rebalance IRA clients to determine which investment portfolio suits them best, so that they can invest their retirement savings wisely and retire with more.

Eileen received her B.A. in Government, with honors, from Cornell University’s College of Arts & Sciences where she graduated phi beta kappa, and her M.B.A in Finance from The Anderson School at U.C.L.A. She is a registered Investment Representative and holds a Series 65 securities license. Eileen and her husband Julio recently celebrated their 14th wedding anniversary and enjoy sharing their own love for downhill skiing, SCUBA diving and travel with their two young children.

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Christie Whitney CFP®


Vice President, Investment Advice, CFP®


Christie is a passionate active listener, who, through education and engagement, works to improve client literacy of retirement investment best practices. She is a seasoned Certified Financial Planner™, and has over 15 years of experience in the private financial services sector.

Christie has honed her skills as a client services manager and financial planner and appreciates the emotional aspects of investing. Her goal is to provide clients with peace of mind by educating them throughout the retirement investment process, and keeping an open avenue of communication. As Vice President of Investment Advice, Christie helps instill clients with the confidence they need to feel secure about their goals, financial decisions, and future.

Christie is a graduate of the UC Berkeley Extension programs coursework in Personal Financial Planning, with distinction, and obtained her BA from University of California at San Diego.
 When Christie is not engaging with clients throughout the retirement investment process, she enjoys swimming, yoga, and the outdoors with her husband and young boys.

 

Greg Brown, Senior Financial Consultant, Rebalance IRA
Greg Brown

Senior Financial Consultant

Greg in the Press:

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Greg Brown has spent the past 15 years in the world of economy and global business focusing heavily in recent years on personal finance and investing. Greg serves on the Investment Committee of an established global foundation that oversees more than $150 million in assets. His media career has given him direct access to the insights and experiences of investment thought leaders, including the “founding father” of index investing, Vanguard Group’s John C. “Jack” Bogle.

Greg has lived abroad, reporting real-time economics news and corporate earnings from Chile and covering the South American country’s rapid growth as it left the ranks of the region’s emerging economies to join the fully developed world.

His career path has turned toward helping everyday people learn the ropes of investing and to overcome the emotional responses that hinder their long-term success. As a Senior Financial Consultant at Rebalance IRA, his natural teaching style lends itself to introducing clients to the fundamentals of disciplined, low-cost index investing.

Greg lives in North Carolina, with his wife Jimena and their two sons. He is an avid home cook, a musician, reads constantly and is a late-blooming athlete who plays soccer with men and women half his age and twice as fast.

Rebalance IRA Senior Financial Consultant Joe Daly
Joe Daly

Senior Financial Consultant

Joe in the Press:

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Joe’s father introduced him to index investing, and passed along the central importance of keeping investing fees low, and retirement investment portfolios globally diversified. Joe became an ardent follower of John Bogle, the founder of Vanguard and the father of the modern index fund. Over time, Joe developed considerable expertise in indexing, and its applicability to retirement investing.

After a successful 25 year career in the telecommunications field, it was Rebalance IRA’s time-tested, expertly crafted methodology that motivated Joe to join our firm as a Senior Financial Consultant.

Joe’s consultative approach coupled with his extensive index investment knowledge serves Rebalance IRA clients well and helps them focus on key issues in retirement planning in a collaborative manner.

Joe recently celebrated his 32nd anniversary with his wife Diane, and has two adult children. He has a BS from UC Berkeley Haas School of Business and his MBA from San Francisco State University. He is an active cyclist, a craft-brewing hobbyist, and enjoys taking trips to Lake Tahoe.

Alison Cornwell biography at Rebalance IRA
Alison Cornwell

Senior Financial Consultant

Alison in the Press:

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Alison Cornwell knows how to support clients and deliver a premium service experience. During her 12 years at Morgan Stanley Smith Barney, working with one of America’s top 10 wealth managers, she handled everything from the accounts of billionaire Silicon Valley entrepreneurs to children’s college funds and executive retirement accounts. But it was her experience with high-end financial products accessible only to the very wealthy, such as hedge funds, private equity, and venture capital that ultimately led her to embrace the Rebalance IRA investment strategy. Bringing the benefits of high-end wealth management to everyone, she believes, was long overdue and Rebalance IRA gives her the opportunity to help make it happen.

Alison received a Bachelor of Arts from California State University in Chico with a major in economics. A California native, she spends her time off-duty snowboarding and wakeboarding and camping with her young children. Alison frequently is shuttling her son to wrestling meets and her daughter to softball games.

Laura Long, Director of Client Satisfaction, Rebalance IRA
Laura Long

Director of Client Satisfaction

As Director of Client Satisfaction, Laura communicates daily with Rebalance IRA clients to make sure our Firm is not only meeting their needs, but exceeding their expectations. Laura’s focus is on keeping clients engaged throughout the retirement investing process, and meeting any thoughts, questions, or concerns with understanding and a prudent solution.

Laura brings decades of client management to Rebalance IRA. With an extensive background in program management and client engagement, it is safe to say that Laura Long is a woman of many talents. Laura’s career began with MCI Telecommunications, where, as account manager for the U.S. Navy and U.S. Marines, she helped facilitate communication between servicemen and their families. This rewarding experience helped frame Laura’s penchant for helping others, which parlayed into a position with the National Methodist Church as Director of Children’s Ministries.

When not ensuring Rebalance IRA clients are totally satisfied, Laura is an enthusiastic “empty nester” who dabbles in a variety of extra-curriculars. Laura has been happily married for over 25 years, has two college-aged children, and occupies her downtime with baking, jewelry design, and watercolor painting.

Rebalance IRA biography of Joe Esparraguera, Chief Compliance Officer
Joseph Esparraguera

Chief Compliance Officer

Joe in the Press:

As a corporate finance professional for over 20 years, Joseph Esparraguera brings a unique background and skill-set to Rebalance IRA. The son of Cuban refugees, Joe was raised understanding the value of saving and investing. His parents arrived in the early 1960s, having left everything behind in Cuba and starting over again in a new country with no financial resources. Joe and his sister watched their parents build a life, step-by-step, through hard work and education. The family saved every penny it could and his father invested wisely, teaching Joe about stock market investing along the way. Many a Sunday was spent reviewing stock tables in the dining room and researching companies at the library. His parents sent Joe and his sister through college, and achieved the American dream. They are proud to see that Joe is a CPA and his sister a physician in Washington, DC.

After serving in the Army, Joe began his career at a Washington DC CPA firm, where he managed the tax, accounting and audit needs of small businesses and their owners. Leaving the public accounting world, Joe became the Controller and Chief Financial Officer for a succession of mid-size companies. In several of the companies, Joe also was the head of Human Resources and managed company retirement plans. In this role, Joe was responsible for educating employees about 401(k) plans, and teaching them the value of long-term, tax-deferred investing.

Joe brings all of these skills and experiences to bear when working with Rebalance IRA clients to determine which investment portfolio suits them best, so that they can invest their retirement savings wisely and retire with more.

It is Joe’s experience and credentials as a CPA, a CFO, a Corporate Controller, and a Human Resources Director that make him uniquely qualified to be Rebalance IRA’s Chief Compliance Officer; but it is his first-hand experience and understanding of hard working families, committed to ensuring the financial security of themselves and their children, that ultimately makes him a central part of our family.

Joe received his B.S. in Accounting from the University of Maryland, College Park. He is a Certified Public Accountant licensed in Maryland. Joe is a registered Investment Representative and holds a Series 65 securities license. He lives in Gaithersburg, Maryland with his wife of 22 years and they have two children attending college and working.

Strategic Partners

Rebalance IRA custodians Fidelity Investments and Charles Schwab

Custodians

Rebalance IRA clients maintain control of their own retirement investment accounts at Schwab or Fidelity. These special institutional relationships allow Rebalance IRA to manage our client portfolios on highly secure brokerage platforms, offer low-cost trading commissions, and bring tight controls and independent oversight to client securities and cash.

Rebalance IRA investment insurance coverage facts

Insurance

All Schwab and Fidelity accounts are protected by the Securities Investor Protection Corporation (SIPC) for up to $500,000 in securities and $100,000 in cash. Both firms provide an extra level of coverage from Lloyd’s of London for nearly unlimited amounts of securities and up to $1.9 million in cash.

Rebalance IRA legal and regulatory information

Legal/Regulatory

Rebalance IRA is regulated by the U.S. Securities and Exchange Commission (SEC) as a registered investment advisory firm. We have retained Arnold & Porter LLP, one of the top 100 law firms in the United States, and one of the leading securities practices in the country. Their legal team is comprised of former members of the SEC staff, and other lawyers who have been involved in precedent-setting securities matters.

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