M1 is a Chicago-based personal finance platform that bundles investing, borrowing, and spending into a single app it calls 'The Finance Super App.' Built around customizable 'Pies' that let people design a portfolio of stocks and ETFs and automate contributions and rebalancing, M1 aims to give self-directed investors the kind of automated, low-cost money management once reserved for the wealthy. Founded in 2016 by Brian Barnes, the company has raised more than $300 million and surpassed $10 billion in assets under management.
Margaret Hartigan is the founder and CEO of Marstone, a Providence-based digital wealth management platform that banks and financial institutions white-label to deliver investing and planning tools to clients of all means. A former top-quintile Merrill Lynch financial advisor, she launched Marstone in 2013 to demystify and humanize finance, raised a Series B in 2024, and was named Innovator of the Year at the 2025 US Fintech Awards.
Finhabits is a bilingual financial wellness platform built by Latinos, for Latinos, that turns small, automatic deposits into diversified investment portfolios. Founded by MIT-trained engineer Carlos Garcia, the New York fintech pairs low-minimum Roth and Traditional IRAs with Spanish-and-English financial education to close the wealth gap for first-time investors, serving hundreds of thousands of members who often start with as little as a few dollars a week.
Carlos Garcia is the founder and CEO of Finhabits, a bilingual money app built to close the wealth gap for U.S. Latinos. An MIT-trained engineer who spent nearly two decades on Wall Street, he turned the realization that he once had no idea what a 401(k) was into a platform that lets people start investing for as little as $5 a week. Finhabits has grown to more than 800,000 members and earned recognition from Goldman Sachs and Fast Company.
Tandems is an AI-native wealth operating system for banks, RIAs, and insurance firms - the rebrand of robo-advisor pioneer SigFig. Its TandemsMeet, TandemsGrow, and TandemsInvest products automate the meeting prep, client outreach, onboarding, and portfolio work that consume roughly 90% of a financial advisor's day, with SOC 2 Type II controls and bank-level encryption baked in.
Mike Sha is the CEO and co-founder of Tandems (formerly SigFig), a San Francisco-based fintech company that builds AI-native software for financial institutions. Starting as a contributor to Amazon Prime's invention and the Amazon Visa Card launch, Sha co-founded Wikinvest in 2006 with Parker Conrad, which evolved into SigFig and then Tandems - now powering over $60 billion in assets across 2 million client accounts at firms like Wells Fargo, UBS, Scotiabank, Citizens Financial, and New York Life.
Jon Xu is a General Partner at Y Combinator, the world's most influential startup accelerator, having joined full-time in May 2025 after serving as a Visiting Group Partner for the S24 batch. A YC alum himself, he co-founded FutureAdvisor (YC S10) - one of the first robo-advisors - which was acquired by BlackRock in 2015 for an estimated $150-200M. With an MIT Computer Science degree and stints at Microsoft, Canvas Ventures, and as an angel investor, Xu brings rare dual-sided credibility: he has both built a company through YC and now helps shape the next generation of founders from the partner seat.