The Industry’s Brightest Minds are on your Side


Mitch Tuchman, Managing Director of Rebalance IRA
Mitch Tuchman

Managing Director,
Chief Investment Officer

Mitch in the Press:

  • NYT Cover Jan 2013
  • Schwab
  • RBI_HBS_2018

Mitch Tuchman’s experience pioneering America’s first online investment advisory service helped him define and codify the investment 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 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.

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,

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 live well and retire with more.

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

Managing Director,
Investment Committee Member

Scott in the Press:

  • RBI_WhoWeAre_meet-scott
  • RBI_newsRoom_USA Today Nov 2015
  • RBI_newsRoom_USsenate_Jul2015
  • Scott Puritz on NBR
  • Scott Puritz NCOBS
  • NYT Cover Jan 2013

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, 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 28 years, he is an avid supporter of his two daughters’ forays into travel, sports, and music.

Sally Brandon
Sally Brandon

Senior Vice President, Client Service & Advice

Sally in the Press:

  • Schwab
  • RBI_WhoWeAre_meet-sally
  • RBI_newsRoom_MW_Jun2015
  • Putting Kids First Could Kill Your Retirement
  • The Real Cost of the Pay Gap: Less Money in Retirement
  • RBI_newsRoom_MONEY_May2015
  • RBI_WhoWeAre_meet-sally

Sally Brandon brings deep experience and a broad skill set in developing and maintaining strong and personal client relationships. As a wife, mother, and senior member of the Rebalance team, she brings an intuitive understanding of the personal side of investing. 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 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.

Drew Pratt, CFA®

Vice President, Investment Advice

Drew in the Press:

  • RB_Drew-Pratt_Release
  • RB_Drew-Pratt_Release

As Vice President of Investment Advice, Drew spearheads Rebalance’s wealth management practice while advancing the firm’s Rebalance360 Product Suite, a full-service wealth management offering. With over 35 years of wealth and portfolio management, asset allocation strategy, trust and estate, and financial planning experience, Drew’s mission is to leverage his vast finance knowledge to help clients make confident and informed decisions.

Prior to joining Rebalance, Drew spent over a decade at Wetherby Asset Management in San Francisco, California, a prestigious independent advisory firm that serves ultra-high-net-worth clientele and has over $5 billion in assets under management. While there, he served as a Wealth Manager and Director of Research. During his tenure, the firm’s assets under management grew from approximately $1.8 billion to $5 billion. Drew’s typical client portfolio averaged an impressive $15 million in total assets.

Drew’s passion for financial empowerment extends beyond the workplace into the community. As a resident of Mill Valley, California, he dedicated 13 years to the investment committee for the Kiddo! Endowment, a Mill Valley Schools Community Foundation that helped raise $6.5 million in funding for programs like art, music, drama, poetry, dance, P.E., technology support, teacher grants and classroom and library aides. Drew also Chaired the Tamalpais High School Foundation Investment Committee that has raised funds to provide grants for innovative programs, state-of-the-art tools and equitable educational opportunities for students.

Drew received an M.S. in Finance from Boston College and a B.B.A. from the University of Wisconsin, Madison. He is a CFA® charterholder and a member of the Chartered Financial Analyst Society of San Francisco.

Christie Whitney CFP®

Vice President, Investment Advice, CFP®,
Director of Planning

Christie in the Press:

  • Schwab
  • Paying for College Mistakes
  • Paying for College Mistakes
  • Paying for College Mistakes
  • 5 Resources Financial Education

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 20 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.

Kathleen Kalu-Anderson
Kathleen Kalu-Anderson

Vice President, Investment Advice

Kathleen in the Press:

  • Schwab
  • RBI_MeetKathleen
  • RBI_WhoWeAre_meet-sally
  • RBI_roth-ira-kathleen

Kathleen is first generation Filipino-American. As the oldest daughter of immigrants who came to the United States from the Philippines, she firmly believes that everyone should have access to great investment resources, regardless of their financial background. Kathleen’s goal is to give Rebalance clients the opportunity to invest with confidence, knowing that their assets will continue to work for them.

Kathleen has over ten years of experience in the financial sector and began her career in the institutional investment space, working with State Street Bank and later with BlackRock. She most recently worked in the ultra-high net worth wealth management industry with Tiedemann Wealth Management (previously The Presidio Group). Kathleen holds a Series 65 securities license, and thanks to her diverse background in the finance realm, has a unique set of problem solving skills that she uses to help everyday investors achieve their financial goals. She received a B.A. from the University of California at Davis.

When she is not focused on helping clients, Kathleen is a travel and barre enthusiast who enjoys scuba diving, trying new restaurants, and spending quality time with her husband and their young daughter visiting their local zoos, museums and parks.

Greg Brown, Senior Financial Consultant, Rebalance IRA
Greg Brown

Senior Financial Consultant

Greg in the Press:

  • RBI_WhoWeAre_meet-greg

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, 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:

  • RBI_WhoWeAre_meet-joe
  • New Rule Best Interest

Joe’s father introduced him to index investing, and passed along the central importance of keeping investing fees low, and 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 investing.

After a successful 25 year career in the telecommunications field, it was Rebalance’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 clients well and helps them focus on key issues in financial 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:

  • RBI_blogPost_common-mistakes-to-avoid

Alison Cornwell is a series 65 license holder with over 20 years of investment experience who knows how to support clients and deliver a premium service. 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 investment strategy. Bringing the benefits of high-end wealth management to everyone, she believes, was long overdue and Rebalance 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, wakeboarding and camping with her children. Alison frequently is shuttling her son to wrestling meets and her daughter to softball games.

Frances Martinez
Frances Martinez

Client Service Associate

Prior to joining the Rebalance team, Frances spent over a decade in Business Management working with high-powered entertainment clients in Los Angeles, California. During her time at Schur & Sugarman CPAs, Frances was responsible for her clients’ day-to-day bookkeeping and specific financial needs, and ensured that financial stressors were eliminated on the client end. Her experience working with elite clientele and complex accounts helped broaden Frances’ ability to tailor match client needs and have an intuitive approach to dealing with each individual’s unique situation. As Client Service Associate at Rebalance, Frances provides support for our firm’s planning team and assists in all aspects of client service.

Frances enjoys any and every outdoor activity including kayaking, skiing, swimming, biking and marathon training. Frances has been married for 6 years and enjoys time with her active toddler. She is passionate about volunteering in her church community, mentoring middle school girls, and providing aid at her local women’s shelter. Whenever she is not busy with work and her extracurriculars, you can find her in the kitchen baking and singing along to the Hamilton soundtrack.

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

Director of Client Satisfaction

Laura in the Press:

As Director of Client Satisfaction, Laura communicates daily with Rebalance 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 investing process, and meeting any thoughts, questions, or concerns with understanding and a prudent solution.

Laura brings decades of client management to Rebalance. 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 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.

Investment Committee

Burt Malkiel biography at Rebalance IRA
Burt Malkiel

Investment Committee Member

Burt in the Press:

  • RBI_newsRoom_PBS_Jun2015
  • Burt Malkiel on Bloomberg
  • WaPo Cover
  • NYT Cover Jan 2013

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 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 End of Active 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 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.

Jay Vivian biography at Rebalance IRA
Jay Vivian

Investment Committee Member

Jay in the Press:

  • NYT Cover Jan 2013

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 your investments.

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. After all, we would be hard-pressed to name anyone else with more insight and expertise in helping people retire with more.

Strategic Partners

Rebalance IRA custodians Fidelity Investments and Charles Schwab


Rebalance clients maintain control of their own investment accounts at Schwab or Fidelity. These special institutional relationships allow Rebalance 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


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.

Waller Law


Rebalance is regulated by the U.S. Securities and Exchange Commission (SEC) as a registered investment advisory firm. We have partnered with Waller LLP, a successful, multi-dimensional firm with a long history. Established in 1905, Waller is recognized for their steadfast dedication to complex compliance issues, and financial industry best practices. As SEC regulations continue to evolve, Waller stays in step with the changes and ensures that Rebalance continues to maintain strict compliance guidelines.

Send this to a friend