About Us
We build powerful, accessible financial tools for the strategic investor.
Mission
To empower people to take control of their financial future and confidently navigate life’s big financial decisions.
Vision
We envision a future where financial intelligence empowers strategic investors to answer life’s big financial questions.
Our Philosophy
We believe in holistic financial decision-making. Elements of your financial life do not operate in isolation.
Financial decision-making must look at various risk vs. expected return tradeoffs and determine the best opportunities, considering your complete portfolio makeup, personal lifetime goals, and what the market is currently offering.
Most financial decision-making options deliver one-size-fits-all solutions. These options come with high fees, do not address ALL your assets and liabilities, and almost never take into account your unique goals or changing life circumstances.
For most people financial decision-making based on the interdependent relationship of your entire portfolio is next to impossible. Not anymore. We built WealthFluent to be that advantage for you. Even the top tier investment firms do not have the WealthFluent set of tools for their clients.
Your truly Personalized Financial Decision-Making Companion designed to empower you to make clear, confident decisions tailored to your unique situation and preferences, lifetime financial goals, and market conditions. No matter what life throws your way.
Our Story
Recognizing individual investors challenges with wealth planning and portfolio management, Dr. Stanley Kon, David Kon, and Joshua Kon founded WealthFluent to streamline lifetime wealth planning and holistic portfolio management into a user-friendly solution, enabling everyone to take charge of their financial futures.
Decades of experience working in institutional investment firms, academics, and technology taught them that current industry paradigms deliver generic, “one-size-fits-all” solutions. They identified a significant lack of access to the useful tools designed to help individuals make investment decisions, plan lifetime goals, and track their entire portfolio while constantly assessing current market conditions.
So WealthFluent was born.
First, as a series of complex financial formulas and hard-to-navigate spreadsheets. Then as a powerful Personalized Financial Decision-Making Companion.
Managing lifetime planning and major financial decisions is challenging.
WealthFluent is designed to remove that pain and enable individual investors to consistently make the right decisions for their financial future based on their life goals, complete portfolio makeup, unique financial situations, and current market conditions.
Confidently take control of your lifetime financial goals and navigate each of life’s complex decisions.
Leadership Team
David J. Kon, Co-founder and CEO of WealthFluent, brings a rich executive background spanning data, finance, and technology including his recent tenure as Chief Data Officer at NISA Investment Advisors, a prominent $500+ billion pension manager. Through innovative data and technology leadership, David delivers exceptional solutions that enhance user productivity and effectiveness.
Earlier in his career, David enhanced collaboration technologies at Vail Resorts, Inc., and spearheaded data and technology initiatives as a Vice President at Smith Breeden Associates. His consulting background spans multiple sectors, including a role as a technology risk consultant at Protiviti, Inc.
David holds a BS in Business Administration focusing on Information Systems from the University of Colorado’s Leeds School of Business.
Joshua P. Kon, Co-founder and CTO at WealthFluent, manages the company’s software design, engineering, and technological infrastructure. With a deep background in software engineering spanning financial services and beyond, Joshua has made significant contributions across the tech industry.
Before co-founding WealthFluent, he designed microservices architectures at Flatirons Solutions, managed billion-dollar transaction systems at Credit Suisse, and spearheaded the development of sophisticated accounting reporting tools at PRI Investments.
Joshua holds a BS in Computer Science with a minor in Mathematics from the University of North Carolina at Chapel Hill. His academic journey encompassed education in algorithms, artificial intelligence, economics, enterprise architecture, and advanced computer programming, equipping him with a broad technological expertise that drives WealthFluent.
Jules W. Kramer brings expertise in driving product, brand, user experience and customer-led growth in complex industries, including defense, machine learning, raw materials, and travel. As Chief Marketing Officer, Jules leads all marketing strategy and customer efforts at WealthFluent.
In past roles, Jules has served as VP of Customer Experience at Biofire, where he launched the world’s first biometrically enabled handgun for home defense. As Director of Policy at Glowlit, a machine learning startup creating price transparency in global raw materials, he facilitated entrance into global markets, built and ran B2B and B2C marketing campaigns, and executed product feature developments based on regulatory requirements.
Jules holds a BS in History from the University of Haifa and Design Thinking education from IDEO U.
Philip Lockett brings a long history of partnering with high-net-worth individuals, families, and institutions to build lasting wealth. As Director of Sales at WealthFluent, he leverages over 25 years of investment experience to deliver tailored strategies in equities, options, and fixed income, focusing on customer empowerment and results.
His career includes leadership roles at top firms like Smith Barney, Millenium, Merus Global, and Shay Capital, where he developed expertise in institutional investing, venture scaling, and portfolio risk management. Prior to finance, Philip served as a U.S. Army Captain, earning Airborne and Air Assault certifications.
Philip holds an engineering degree from the U.S. Military Academy at West Point and an MBA from the University of Michigan’s Ross School of Business, driving his passion for guiding and empowering customers through WealthFluent’s innovative platform.
Stanley J. Kon, PhD is the Chairman and Co-founder of WealthFluent, where he spearheads research, education, and innovation. From 2001 to the present, he has also been the Editor-in-Chief of The Journal of Fixed Income.
His academic career spanned 25 years as a Professor of Finance at the University of Michigan, New York University, University of Chicago, Duke University, and the University of Wisconsin-Madison. At Michigan, in 1983, he received a grant from Dow Jones to create the first IBM PC computer lab anywhere in the world for investment management classes. He founded Modern Portfolio Strategies Inc., where he developed the MPS OPTIMIZER™ with downloadable security data that was utilized at many universities. At NYU he received the Executive MBA Outstanding Teacher Award. He has also served on several bank boards, and a consultant to government, business and financial institutions.
Professor Kon has made contributions to the literature on asset pricing, models of stock returns, hedging mortgage-backed securities, managing stock portfolios with stock index futures, fixed-income performance measurement and attribution. He has published articles in the Journal of Financial Economics, Journal of Finance, Journal of Business, Journal of Empirical Finance, Journal of Fixed Income and the Financial Analysts Journal.
In industry, Dr. Kon was a Principal, Board Member, Executive Vice-President, Director of Research and Co-Director of the Investment Management Group at Smith Breeden Associates, Inc., an institutional investment management company for 15 years.
Dr. Kon holds a BS in Chemical Engineering from Lowell Technological Institute, an MBA from St. John’s University, and a PhD in Finance from the State University of New York at Buffalo.
Advisory Board
Frank J. Fabozzi, PhD is an American economist, educator, writer, and investor. Dr. Fabozzi has taught at EDHEC Business School, Yale, MIT, Princeton, Carnegie Mellon, and NYU. He holds the CFA and CPA professional designation.
Frank has authored more than 100 books and edited two popular industry reference books (The Handbook of Fixed Income Securities and The Handbook of Mortgage-Backed Securities). He has served on several fund boards and an advisor to several asset management firms, investment banks, and government entities. Since 1985 he has been the editor of The Journal of Portfolio Management.
Shaun William Davies, PhD is a Professor of Finance and the Research Director of the Burridge Center for Finance at the Leeds School of Business at the University of Colorado at Boulder. Shaun also worked in industry as a researcher at Smith Breeden Associates, developing advanced financial models and analytics.
Dr. Davies earned his PhD at UCLA Anderson’s Graduate School of Management in 2013, his MA in Economics at UCLA in 2010, and both his BS in Applied Mathematics and BA in Economics at the University of Colorado in 2005. Dr. Davies is also a CFA Charterholder.
Amos Nadler, PhD is the Founder, CEO, and Chief Scientist of Prof of Wall Street, the world’s first behavioral fintech venture. Amos taught at Ivey Business School, Western University, the University of Toronto, and the Claremont Colleges. He served as the first Chief Economist in the digital assets space and as a due diligence expert for private wealth management.
Dr. Nadler earned his MA in economics and PhD in behavioral finance and neuroeconomics at Claremont Graduate University. He was awarded the Kaufman Fellowship, GDP Forecasting prize, and served as Senior Researcher at the Center for Neuroeconomics Studies.
Danna Gilbert is the SVP, Global Investment Data and Technology Products at Reinsurance Group of America (RGA) where she responsible for data and technology vision, strategy and execution. Danna spent 21 years at NISA Investment Advisors, LLC in various roles across operations, information technology, and enterprise data.
Danna received a BA in Mathematics from McKendree University while playing four years of Varsity Basketball and Softball. Danna received her MS in Economics and Finance from Southern Illinois University at Edwardsville.