One team working together to build your wealth.
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About

Adam Braunscheidel is an experienced investment advisor, providing portfolio management and comprehensive financial planning services for OJM Group clients. His responsibilities also include investment research and market analysis for the firm. Adam joined OJM in 2009 and is a contributing author of the book Wealth Management Made Simple. He is also a co-author of numerous articles and has presented webcasts and podcasts on investing, retirement planning, and other financial topics. Adam serves on the Young Professionals Board and Planned Giving Committee of the Children’s Home of Cincinnati. He also mentors underprivileged youth through a local organization called Villedge.

About

Amanda Welch, CPA has more than 20 years of experience providing tax and accounting services to individuals, business owners, and closely held enterprises. She earned a Bachelor of Science in Business Administration with a concentration in Accounting and a minor in Economics from Salem State University.

About

Ana helps clients minimize taxes and maximize wealth through her accounting and tax services. She earned a B.S. in Accounting with a minor in French from Saint Mary’s College, where she received the Henry Rand Hatfield Award for academic excellence. A CPA, Ana gained valuable experience through experience at Cisco Systems. Trilingual in English, Spanish, and French, she has a strong passion for languages and served as president of the French Honor Society.

About

​Andrew D. Schwartz, CPA, is founder and managing partner of Schwartz & Schwartz, PC, in Woburn, MA. Since 1993, Schwartz & Schwartz has provided tax, accounting, and payroll services to healthcare professionals and their practices. Andrew is also the founder of a full-service dental practice brokerage – Optimal Practice Transitions, a marketing and consulting practice for CPA Firms – CPA Niche, and The MDTAXES Network, a national association of CPAs that specialize in the healthcare profession. Andrew is a frequent speaker at area conferences and universities including annually at the Yankee Dental Conference, Bentley University, and CE provider Illumeo. He can also be heard from time to time being interviewed by local media, including Greater Boston Radio. Andrew graduated from the Wharton School at the University of Pennsylvania. He is a member of the Massachusetts Society of CPAs (MSCPA) and the American Institute of CPAs (AICPA). Andrew was selected as a multi-year winner of Boston Magazine’s “Five-Star Wealth Manager – Best in Client Satisfaction” award.

About

Andrew Taylor is an experienced investment advisor, providing portfolio management and comprehensive financial planning services for high-net worth clients and their families. He joined OJM Group in 2012, following more than 15 years in the financial services industry with Charles Schwab & Co. and Fidelity Investments. Andrew is a contributing author of the financial resource Wealth Management Made Simple and co-author of numerous articles on a broad scope of financial topics. He has also presented lectures, webcasts, and podcasts on investing, retirement planning, and market analysis. Andrew is a member of the Financial Planning Association of Southwestern Ohio.

About

Barry helps clients simplify financial challenges and make smart decisions with their money. Before joining, he served as a tax manager at a "Big Six" firm and has co-authored articles to assist medical and dental professionals, as well as high-net-worth individuals, in managing their wealth. Barry holds a bachelor’s degree from Brigham Young University. Outside of work, he enjoys hiking Mount Diablo, exploring, and reading books on early U.S. history and investing.

About

Bob Peelman is an experienced wealth advisor and financial consultant who has worked with individuals, families, endowments, and foundations for more than 20 years. Prior to joining OJM in 2010, Bob was a financial advisor with Morgan Stanley Wealth Management. Bob is a contributing author of the financial resource Wealth Management Made Simple and co-author of more than a dozen articles on investing, retirement planning, and other financial topics. He has also presented numerous lectures, webcasts, and podcasts for regional and national groups. Bob serves as a board member for DCCH Center for Children and Families and a committee member for the Redwood Foundation.

About

Brett joined Earned in 2015. He holds a master’s degree in accountancy from Southern Utah University and is a Registered Investment Advisor. Prior to joining Earned, Brett worked for the Utah State Tax Commission. He is very passionate about helping clients save money, find inventive ways to be more tax efficient, and build wealth creatively and efficiently. Brett spends his free time with his wife and three boys. He loves mountain biking, hiking, and most anything else outdoors.

About

Cait, an MBA and CFP® is wealth professional dedicated to helping doctors maximize their wealth potential. She specializes in guiding high-achieving professionals and provides inclusive, fiduciary financial advice to diverse family structures, including LGBTQ+, blended families, and those who are divorced or widowed. Cait's expertise includes student loan planning, family and retirement planning, and values-driven goal setting. Originally from Hot Springs, Arkansas, she enjoys traveling, playing pickleball, and relaxing around bonfires.

About

Carole Foos is a Certified Public Accountant (CPA) and tax consultant to OJM Group clients, including physicians, professionals, and their businesses. Carole has over 25 years of experience in accounting, tax planning, and financial consulting. She was formerly a manager in the tax department of a Big 4 firm and spent several years in public accounting at local firms. Carole is a co-author of more than a dozen financial resources, including Wealth Planning for the Modern Physician, Wealth Management Made Simple, and Risk Management for the Practicing Physician, a Category 1 CME-certified monograph. She has also authored numerous articles and presented lectures, webcasts, and podcasts on tax planning, wealth management, and other financial topics. Carole is a member of the AICPA and OSCPA.

About

Carson joined in 2010 to provide tax, accounting, and wealth management services, focusing on dental and medical practitioners. With extensive experience, Carson earned his bachelor’s degree from Utah Valley University and California State East Bay. He began his career as a tax associate at Deloitte, where he built a strong tax foundation that continues to inform his work today.

About

Dan Levy is an experienced tax accountant and Enrolled Agent (EA) with over 45 years of experience in tax preparation and tax planning. Known for his precision and commitment to excellence, Dan has built long-lasting relationships with hundreds of satisfied clients who trust his meticulous approach to taxation. His dedication to accuracy and personalized service has earned him a strong reputation for reliability. Based in the Bay Area, Dan continues to help individuals and small businesses navigate their financial goals with confidence.

About

Since joining Earned in 2005, Dave has helped clients with accounting and wealth management. He holds a master’s degree in accountancy with an emphasis in tax from Brigham Young University and is a Registered Investment Advisor Representative. Dave began his career at Deloitte & Touche, San Francisco, before working in his dad’s CPA practice in Hollister, California. Outside of work, he enjoys spending time with his family, playing guitar, singing, and golfing. Dave is registered with Thomas Doll, an Earned Wealth Company.

About

With nearly three decades at Earned, Denise Mitchell brings extensive experience to her role. As a Tax Manager for the past 19 years, she built on her strong foundation from her initial 10 years as a Bookkeeper. Prior to joining Earned, Denise gained valuable experience at a smaller firm serving doctors and dentists, which deepened her understanding of medical professionals’ unique financial needs. Her longevity reflects her dedication to helping clients achieve financial success.

About

Devin is passionate about working with clients to meet their goals wherever life and money intersect and is working toward the CFP designation to grow his ability to offer holistic advise. He graduated from Brigham Young University - Idaho and currently holds the Series 65 license. Outside of work, Devin enjoys spending time with his wife and son, fishing, golfing, and hiking.

About

Emily J. Lafata, E.A. brings more than 25 years of experience helping individuals and businesses navigate complex tax matters with confidence. A graduate of Salem State University with a Bachelor of Science in Business Administration and a concentration in Accounting, Emily is an Enrolled Agent authorized to represent taxpayers before the IRS. She has extensive expertise across individual, corporate, partnership, nonprofit, and multi-state tax returns, and is known for her skilled advocacy in resolving federal and state tax issues.

About

Michael Lewellen is an experienced financial planner, who has worked with OJM clients for more than 16 years. In his role as Director of Financial Planning, Michael coordinates all areas of OJM’s multidisciplinary expertise to help clients make educated decisions in each planning area to achieve their long-term financial goals. Michael is a contributing author of the financial resources Wealth Planning for the Modern Physician and Wealth Management Made Simple, and author of more than a dozen articles on retirement planning, insurance, and wealth accumulation. He has also presented numerous lectures, webcasts, and podcasts on a broad scope of financial topics for regional and national groups.

About

Haden has been with Earned since 1998, offering wealth management, accounting, and tax services to successful practitioners. He previously managed and consulted for dental practices, from start-ups to large groups. Haden has lectured on tax, financial planning, and practice management at UCSF, the University of the Pacific, and dental societies. A licensed real estate broker with CPA/PFS credentials, he holds degrees in economics and accounting/taxation. Haden enjoys flying, scuba diving, and swimming in Lafayette, CA..

About

Jake Heath, E.A., holds a Bachelor of Science in Accounting and a Master of Science in Taxation from Bentley University, where he completed his graduate studies at the McCallum Graduate School of Business. He has been a valued member of Schwartz & Schwartz for over 10 years, bringing a decade of dedication and expertise to the firm. Prior to joining Schwartz & Schwartz, Jake worked at a global accounting firm specializing in tax preparation and consulting for high-net-worth individuals and large corporate clients. His professional background also includes auditing and developing internal controls for a regional community bank. As an Enrolled Agent, Jake is authorized to represent taxpayers before the IRS.

About

Jared joined Earned in 2006 to provide tax, accounting and wealth management services to the dental and medical community, with a focus on new business development. Jared’s past experience includes senior associate positions at PricewaterhouseCoopers in Houston and Group1 Automotive, Inc., a Fortune 500 retailer. In these positions, he performed financial audits and due diligence on firms ranging from multinationals, to technology start-ups, to not-for-profit foundations. Jared earned his master’s degree in accountancy from Brigham Young University. Much of his free time is devoted to family outings to the beach and other area attractions. Occasionally, he and his wife escape to a nearby restaurant; Café Esin is among their favorites.

About

Jeanette Beatty is a CERTIFIED FINANCIAL PLANNER™️ professional who helps individuals and families orient their financial resources with what they value most. Drawing on extensive experience, she designs personalized financial plans that align with each client’s goals and values. Jeanette earned her master’s degree in financial planning from Kansas State University and a graduate certificate in financial therapy, blending technical knowledge with a thoughtful, relationship-centered approach. She lives in Colorado with her husband and two young daughters, and enjoys cooking, learning piano, and exploring the outdoors.

About

Jeff Gonzalez, CPA has over a decade of specialized experience in tax advisory, planning, and compliance for high-net-worth individuals, affluent investors, and closely held businesses. After beginning his career with the IRS, Jeff has held tax leadership roles at several top-tier firms, including KPMG, RSM, PwC, and Mariner Wealth Advisors. His well-rounded background combines in-depth technical knowledge, regulatory expertise, and a client-centric approach, making him a trusted advisor in today’s ever-evolving tax landscape.

About

A CPA for more than twenty years, Jeremy has extensive experience serving businesses and their owners as a trusted advisor. He builds lasting relationships with clients who value his thoughtful approach and reliable guidance on complex tax matters. In addition to his client work, Jeremy has taught a variety of accounting and tax courses at both the graduate and undergraduate levels at Northeastern University, his alma mater.

About

With over a decade of experience in high net worth financial services, Jessie puts clients at the forefront of the conversation. She ensures that the client onboarding process is high touch and comfortable. She prides herself on seeking to understand the client first, and speaking at their level of financial knowledge, with ongoing communications.

About

Joe is committed to building long-lasting relationships with his clients, believing that integrating wealth management, tax, and accounting needs provides the best approach. He’s dedicated to helping individuals and families achieve financial sustainability across generations. Joe holds a Bachelor of Science in Economics from the University of California, Santa Barbara. Since joining Earned in 1988, he has been a dedicated leader and frequent speaker on wealth management and tax planning for high-net-worth individuals. Joe enjoys spending time with his wife Angela, their children, and grandchildren, and they love outdoor activities.

About

Jon is passionate about financial planning and recently received his CFP designation. With previous experience in the financial services industry, he focuses on understanding each client’s unique needs and providing ongoing support to help them make informed financial decisions. Outside of work, Jon enjoys running, biking, hiking, and anything outdoors.

About

Kevin Miller, CPA, has been with Schwartz & Schwartz for over a decade, specializing in accounting, tax, and advisory services for dentists, dental practices, and other medical professionals. He takes a hands-on approach to helping clients manage their practices efficiently while optimizing their personal and business tax strategies.

About

Mike Bohigian brings a well-rounded background in accounting, communications, and client service to his work supporting individuals and businesses. He earned a Bachelor of Arts in English and Communications, as well as dual master’s degrees in Accounting and Business Administration from Boston College. Before joining Earned, Mike worked with a national tax preparation company, where he specialized in individual and business returns.

About

Myhanh brings 30+ years' experience building wealth with clients to Earned. She uses Earned's proprietary diagnostic to develop financial plans tuned to clients specific goals and 7 key building blocks of wealth. She has a deep understanding of the unique financial challenges and opportunities doctors face.

About

Navjeet established the firm in 2003 and since then never looked back. Prior to starting the firm, Navjeet worked for PricewaterhouseCoopers LLP’s San Francisco office. PricewaterhouseCoopers LLP is one of the world’s largest CPA Firm known as Big Four. At PWC he audited large public companies such as Banks, software companies, and financial institutions. Navjeet has experience preparing over 10,000 business and personal tax returns and has represented several hundreds businesses to resolve their tax and business issues with IRS, Franchise Tax Board, Board of Equalization, Employment Development Department and Department of Labor. Navjeet has a Bachelor of Science degree in Accounting and taxation from the University of California at Berkeley (Walter A Haas School of Business). Navjeet stays on top of all new tax laws changes through several hundred hours of training provided by various government and private universities and accounting societies. In his spare time, Navjeet enjoys reading, traveling, listening to music and spending time with family and friends.

About

Patricia O’Boyle, E.A. brings a strong foundation in accounting and leadership to her work in tax preparation and planning. A Magna Cum Laude graduate of the University of Massachusetts Lowell, she holds both a Bachelor’s degree in Business Administration with a concentration in Accounting and an MBA focused on Managerial Leadership. Patricia began her career in audit at a Big 4 firm before transitioning to tax accounting in 2023, where she quickly developed a reputation for precision and client care. As Tax Operations Manager, she oversees daily operations and fosters collaboration across the team—ensuring efficient processes and exceptional client experiences.

About

Pooja started with the firm in Jan 2007 and since then has worked in all departments before being promoted as General Manager. Pooja currently oversees all department operations especially Sales Tax and Payroll. Pooja holds her bachelors degree in accounting and was Chartered Accountant in India before moving to United States. Pooja has over 10 years of experience in various Accounting Departments. Since 2007, Pooja has helped thousands of clients reach their business and financial goals by working closely with them. Pooja’s hard work and attention to detail has helped the firm become one of the premier accounting and tax firm in the Northern California. In her spare time, Pooja enjoys fine dining and spending time with her family.

About

Richard S. Schwartz, C.P.A., C.V.A., received a B.A. in Economics from Brandeis University in 1985 and an M.S. in Accounting from the Graduate School of Professional Accounting at Northeastern University in 1990. Prior to joining his brother at Schwartz and Schwartz, P.C. in 1993, he worked for the international accounting firm PricewaterhouseCoopers, LLP, in their Emerging Business Services Group. Since joining Schwartz and Schwartz, P.C. he has worked with individuals providing tax expertise as well as small business owners providing both tax and accounting guidance to help their businesses grow. In 2006, Rick earned the designation of Certified Valuation Analyst from the National Association of Certified Valuation Analysts (NACVA), which he uses to assist healthcare professionals in their evaluation of whether to purchase a practice.

About

Samuel Brien, CPA brings nearly a decade of experience in tax preparation and planning for both individuals and businesses. A Magna Cum Laude graduate of Merrimack College, Samuel earned a Bachelor of Science in Business Administration with a concentration in Accounting in 2017, followed by a Master’s in Accounting in 2018. He began his career in 2016 through a co-op program and has been part of the Schwartz & Schwartz team since 2019, working on both business and personal tax returns. Samuel earned his CPA license in 2025.

About

Seema started with the firm in 2009. Seema holds Masters Degree in Business with emphasis in accounting. Seema has more than 15 years experience in Tax Preparation and Planning. Since 2009, she has helped hundreds of business owners reduce their tax liabilities and increase their bottom line. In addition to helping clients with tax preparation and planning, she is responsible for helping clients resolve any tax notices. She prides herself on taking the time to understand the unique situation of each client and developing the relationship. She enjoys traveling to new places, the outdoors and loves spending time with her family.

About

Shawn is a Senior Tax Manager at Earned, where he helps clients navigate the complexities of taxes and handles correspondence with taxing authorities. With nearly 25 years of experience in tax, Shawn specializes in individual, business, and non-profit taxation. Before joining Earned, Shawn served in the US Marine Corps, though he humorously keeps his previous duties classified. Shawn holds a BS in Business with an emphasis on Accounting from California State East Bay. Outside of work, he enjoys trail running, mountain biking, and reading books by Vince Flynn, Brad Thor, and Jack Carr.

About

Shazia Khateeb, EA, Series 65 brings more than 15 years of experience in individual and small business taxation. She earned her Bachelor of Science in Accounting from the University of Illinois at Chicago and began her career at Deloitte, gaining valuable experience at a Big 4 accounting firm. As an Enrolled Agent, Shazia is licensed to represent taxpayers before the IRS and is dedicated to delivering knowledgeable, reliable tax guidance to every client she serves.

About

With nearly two decades in the financial services industry, Thomas has extensive experience working with high net worth clients as a fiduciary and is passionate about helping clients achieve their financial goals. In the client onboarding experience, he strives to ensure the client is understood, informed on how Earned can help, and has an exceptional overall experience.

About

Todd, CFA, CFP®, and CPWA, was captivated by investments from his very first experience. What began as a desire to understand how markets functioned and wealth was built evolved into a passion for solving the complex financial challenges individuals face throughout their lives. Todd joined Earned to approach financial planning the right way, leveraging a vast network of knowledge and a fiduciary standard of care. He is passionate about helping clients build wealth with a comprehensive, integrated approach.

About

Tyler is passionate about helping clients achieve their financial goals and is working toward the CFP designation to strengthen his ability to provide holistic wealth management guidance. He holds an MBA from Indiana University's Kelley School of Business and the Series 65 license. With previous experience in financial services, he focuses on understanding each client's unique needs to provide solutions that allow them to make financial decisions with confidence. Outside of work, Tyler enjoys spending time with his son, golfing, and running.

About

Brittney Gaymon holds a B.S. in Business Management from West Chester University and brings over a decade of experience in the insurance industry, including auto, home, and life insurance. At PearsonRavitz, an Earned company, she supports physicians throughout the disability insurance process, helping them secure coverage that fits their needs. Brittney works closely with clients to review and update policies, providing reassurance that their coverage remains aligned with changing careers and personal circumstances. She is passionate about education, advocacy, and empowering clients to make confident, informed decisions.

About

David Mandell is an author and renowned authority in the fields of asset protection and general wealth management. He is a co-author of more than a dozen financial resources, including Wealth Planning for the Modern Physician, Wealth Management Made Simple, and Risk Management for the Practicing Physician, a Category 1 CME-certified monograph. His previous titles include Wealth Protection: Build and Preserve Your Financial Fortress and Wealth Secrets of the Affluent, published by John Wiley & Sons. David’s articles have appeared in over 40 national publications, and he has been interviewed as an expert in national media outlets, including Bloomberg and FOX-TV. He has presented lectures, webcasts, and podcasts on asset protection, tax planning, and wealth management for numerous regional and national organizations.

About

Donald Kelley began his career in the fitness industry, specializing in post-cardiac and orthopedic rehabilitation. Through his work, he developed a close professional relationship with Dr. Stephanie Pearson, cofounder of PearsonRavitz, gaining firsthand insight into her career-ending injury and the profound impact disability can have on physicians. When the COVID-19 pandemic forced him to pivot professionally, Donald sought a path that allowed him to continue helping others through education and advocacy. He joined PearsonRavitz, an Earned company, aligned with its physician-first mission and now focuses on supporting and educating clients with empathy, clarity, and purpose.

About

Erin Hevesi holds a B.A. in Political Science from the University of Delaware and a J.D. from New England Law School. She began her career in municipal law and investigations at the New York State Office of the State Comptroller before joining PearsonRavitz, an Earned company, at its inception. During her years as an insurance advisor, Erin has taken on multiple roles and now specializes in the policy update process. As a licensed insurance advisor, she focuses on maintaining long-term client relationships and ensuring policies continue to align with evolving professional and personal needs.

About

Jason is a financial consultant, investment advisor and insurance specialist with more than 25 years of experience working with high-net worth clients, including physicians, professionals and their businesses. Jason is a co-author of more than a dozen financial resources, including Wealth Planning for the Modern Physician, Wealth Management Made Simple, and Risk Management for the Practicing Physician, a Category 1 CME-certified monograph. He has also authored numerous articles and presented lectures, web seminars and podcasts on investment management, retirement planning and a broad scope of financial topics. He has been recognized by Medical Economics as one of the “Best Financial Advisers for Doctors” (2002, 2004, 2006, 2008 – 2013) and by Cincinnati Magazine as a “Top Wealth Manager.” Jason is a Past President of the Alzheimer’s Association of Greater Cincinnati and a Past Chairman of the Advisory Board of Partners Financial (an NFP company). He served on the AALU Board of Directors and is a member of the Financial Planning Association and Cincinnati Estate Planning Council.

About

Lee George’s path to disability and life Insurance was shaped by a firsthand experience navigating an unexpected injury and the limitations of employer-provided insurance. Early in his career, he learned how gaps in education and advocacy can significantly impact outcomes during the claims process. That experience led him to a career centered on helping others avoid similar pitfalls. At PearsonRavitz, an Earned company, Lee is driven by a commitment to education, transparency, and client advocacy, ensuring physicians understand their coverage and are empowered to make informed insurance decisions.

About

Scott Ravitz has more than two decades of experience helping physicians and professionals protect what matters most through customized disability and life insurance solutions. He combines deep technical expertise with a personal understanding of how the right coverage can change lives. Scott’s work is driven by a lifelong commitment to family, mentorship, and helping clients secure their financial futures.

About

Stephanie Pearson, MD, FACOG, is CEO and Insurance Advisor at PearsonRavitz, bringing her deep medical and personal experience to guide physicians in securing disability coverage. After practicing as an OB/GYN, Stephanie faced a career-ending injury that revealed gaps in physician disability insurance. She leveraged that experience to advocate for healthcare professionals—helping them navigate complex policies, protect their income, and avoid the pitfalls she encountered.

About

Suzy Blalock is a Policy Update Coordinator at PearsonRavitz, an Earned company, where she helps physicians ensure their disability coverage evolves alongside their careers and personal lives. She holds a B.A. in Psychology from Trinity University and an M.S. in Mental Health Counseling from the Philadelphia College of Osteopathic Medicine. Drawing on her counseling background, Suzy brings empathy, clear communication, and attention to detail to each client relationship. She works closely with clients to review and update policies, providing reassurance that their coverage remains aligned with their changing needs.

About

About

Mike leads Earned's Retirement Plan Services business responsible for delivery of payroll, third party administration and retirement plan advisory services. He has more than 25 years of retirement industry experience. He joined Earned from Morgan Stanley where he was focused on their workplace offering including retirement services. Prior to that he worked in Transamerica's workplace business. He started his career in the industry at Charles Schwab.

About

Nick has more than 15 years of experience in the retirement industry, working with some of the largest retirement plans at Earned. As a key leader in building the enterprise retirement business, he helps expand Earned’s services to new medical groups, offering comprehensive wealth and tax advice to more doctors. An active member of the American Retirement Association, Nick holds multiple designations from the National Association of Plan Advisors and the American Society of Pension Professionals and Actuaries.

About

Patrick Beaman is a Retirement Plan Consultant with the Workplace Wealth Solutions Group, bringing more than 25 years of experience helping organizations design and optimize retirement programs. He has held senior roles at UBS, Invesco, and Merrill Lynch, where he advised businesses across the private, public, and non-profit sectors. Patrick specializes in creating retirement strategies that align with organizational goals while helping employees achieve financial security.

About

John is the Founder and CEO of Earned, bringing over 30 years of leadership experience, including 20+ years in financial services. As CEO of Blucora, he oversaw $80B in AUM, achieving a top 3% stock return. At Charles Schwab, he co-led the Retail Division, built the advisory business, and served as CEO of Schwab Bank. His career also includes leadership roles at Wells Fargo, Coca-Cola, PepsiCo, Booz-Allen, and more.

About

Fred brings extensive leadership experience in financial technology, product management, trading, and digital advisory. Most recently, he was General Manager of the APL division at InvestCloud and previously served as Global Chief Product Officer at Broadridge. Previously at JP Morgan, he held key leadership roles driving digital wealth management. With over a decade at Charles Schwab, he served as President of Schwab Wealth Investment Advisory and led the launch of Schwab Intelligent Portfolios. Fred’s expertise in innovation, strategy, and client experience drives cutting-edge wealth management solutions for growth and long-term success.

About

Alex has over 15 years of expertise in consulting, strategy, planning, and venture capital from Oliver Wyman, Bright Health, and Juxtapose. She led Earned Wealth’s operations and finance for three years before stepping into her current role, driving growth, innovation, and customer-centric strategies.

About

Joy Lai is the Chief Growth Officer at Earned, bringing a proven track record of scaling businesses and driving market expansion. Since joining in August 2023, she has led Earned’s organic growth, strategic partnerships, and inorganic growth initiatives to accelerate the company’s trajectory. Previously, as Chief Marketing and Operating Officer at Kitchen United, Joy spearheaded the company’s expansion from inception to a nationally recognized brand valued at over $400M. Her leadership experience spans Internet Brands, The Wonderful Company, and Bain & Company, where she specialized in scaling businesses, go-to-market strategy, and post-merger integration.

About

As Chief Wealth Officer and a CFA® charterholder, Bill is driven to accelerate wealth creation for doctor clients, by career stage and their unique career arc, using advanced technologies, deep data insights, and evidence-based methodologies. In this role, Bill leads development of Earned's perspective across the seven wealth domains that together most drive financial outcomes for doctors: investing, tax planning, career advisory, insurance, trust and estate, debt management, and cash management.

About

As Chief Human Resources Officer, Veronica Oubayan leads HR strategy and people operations, focusing on building a scalable, people-first culture. With over 15 years of HR leadership experience in private equity and healthcare, she brings deep expertise in talent development and organizational growth. Previously, she served as SVP of HR at AnewHealth and CarepathRx, guiding M&A integrations. At ExactCare Pharmacy, she built scalable HR infrastructure during rapid expansion. Veronica holds a Master’s in HR Management and is passionate about creating inclusive, high-performing workplaces where people and businesses thrive.

About

Luke leads Earned’s growth strategy by acquiring businesses that serve healthcare clients. Prior to joining Earned, he was a Vice President at Summit Partners, focusing on growth equity investments in healthcare. He also worked in M&A advisory at Harris Williams & Co. Luke graduated with honors from The College of William and Mary with dual majors in Finance and Mathematics.