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About

Financial wellness through personalized, gamified next steps. Because when it comes to money, everyone deserves a simple plan to help them live better, now and in the future.

Our Team

We are technology enterpreneurs. Wall Street veterans, and marketing specialists.

Carla Dearing
CEO & Founder

Stephen Reily
Founder & Chairman

Nancy DeFauw
VP, Product Management

Cordi Powell
Lead Adviser

Tarik Nally
Experience Design

Cara Reynolds
Director, Communicatons

Monique Quarterman
Innovation Consultant

Chris McGarvey
Advisory Board

Joe Masterson
Advisory Board

Kristine Mullen
Advisory Board

Bob Saunders
Advisory Board

Mike Bellissimo
Advisory Board

Our Expertise

The advice in a Sum180 Plan is based on the principles of the Alliance of Comprehensive Planners (formerly the Alliance of Cambridge Advisers), founded in 1995 and known for having the highest professional standards in the country.

Our advisers are hand-picked from the Alliance of Comprehensive Planners. They are Certified Financial Planners (CFP©) or the equivalent, with strong tax backgrounds, and full members of the National Association of Personal Financial Advisors (NAPFA).

Sum180 is a financial planner and does not provide investment advice under any circumstances. Sum180's advice is independent and unbiased and Sum180 receives no commissions associated with the advice given.

Expert Advice

Three steps (Or: How to eat an elephant)

Few of us feel confident in every situation. No one is an expert at everything. And in most cases, not having all the answers all the time is no big deal. As we move through life, we come to appreciate our individual strengths, recognize our weaknesses, and depending on the situation, we either adjust our expectations, buckle down to learn an important new skill, or, if we have the option, we find someone – a team or partner – whose strengths complement our weaknesses, whatever those may be.

In the Community

Already thinking differently…

My favorite hobby is to try new restaurants. Eating out and exploring new restaurants is something I do frequently and my personal budget shows that. Fresh from completing my Sum180 profile and faced with the “where should we eat tonight?” question left me considering different alternatives. If we started to explore “off the beaten path” ethnic restaurants versus high priced downtown restaurants then I could pay down some credit card debt instead?

For nearly ten years, Tarik has directed the creation of unique and strategic digital experiences and in-person activations for small to large international brands such as Nike, Southern Comfort, Goodwill, Toyota and Procter & Gamble. He has wielded his art direction and pixel pushing skills to craft beautiful, immersive digital experiences for a diverse client list that has included acai cafés, luxury baby bedding, rock bands, universities, and politicians.

Previously, Tarik was the creative director and head of design of multiple award-winning agencies throughout the Midwest. He has since transitioned to become the founder of Kale and Flax, a leading human-centered design company, and an investor and partner in startups that go against the odds to improve people's lives through simple, sustainable impact. For the last eight years, Tarik worked closely with over 50 funded startups, and has mentored women and underrepresented entrepreneurs to promote more equitable participation in the startup community.

Tarik has an MBA from Xavier University.

"I love that Sum180’s primarily female management team is using cutting edge technology to finally make financial wellness accessible and engaging to underserved groups. There’s nothing else like it!"

Cordi is the founder of Favored Financial Planning and a member of ACP (The Alliance of Comprehensive Planners) and Kingdom Advisors. Prior to founding Favored Financial Planning, Cordi received a Doctor of Medicine and completed a medical residency in Physical Medicine and Rehabilitation at Brody School of Medicine in Greenville, N.C. She recognizes many similarities between achieving physical fitness and being fiscally fit: you identify goals for yourself, develop a plan to reach those goals and live intentionally toward achieving your goals. Cordi has also worked with individuals through Financial Freedom, a church program, helping them to identify and achieve their financial goals.

Cordi is a Certified Financial Planner™ as well as an Enrolled Agent (EA); which means that she can represent her clients before the Internal Revenue Service (IRS).

"A trusted financial advisor should not only identify where you are and where you want to go, they should also help you get there. This means providing advice customized for each client’s unique situation. I love seeing my financial planning clients experience ‘light bulb moments’ and hearing feedback like, ‘This is information that we didn’t even know we needed!"

Bob is a General Partner of OCA Ventures and chairs its healthcare investing activity. He represents OCA on the boards of mPulse, ReGroup Therapy and HealthiPass. He is also a Co-Founder and Chairman of XLerateHealth, a healthcare accelerator in Louisville, KY.

Prior to OCA, Bob was a Senior Managing Director and General Partner at Chrysalis Ventures (Louisville) from 1997 to 2009 and served as a Senior Advisor to Chrysalis from 2009-2010. He was also co-founder of Saunders Murdock and Associates, a life science “super-angel” investor, and a Senior Managing Director at Providian Capital Management from 1993-1997. He began his career in business strategy consulting and worked with both The Boston Consulting Group and Bain & Co.

Over the last 30 years, he has invested in several dozen startup companies and has mentored 100+ startups.

Bob received a B.A. from Stanford University, an M.Sc. from the London School of Economics, and an M.A. from Harvard University. Bob is both a Fulbright Scholar and a Marshall Scholar.

Joe is President of Rapid Growth Consultants, a global consultancy established to help firms increase their rate of growth. He is also a member of the Retirement Committee at Brookhaven National Laboratory, and Founding Chairperson and Board Member for Westchester County New York’s Food Bank.

Prior to Rapid Growth Consultants, Joe was Founder and Senior Vice President at Diversified Investment Advisors, Inc., and on the Board of Directors for Castle Rock Innovations, LLC. He was also Senior Vice President and Chief Marketing Officer at Transamerica Retirement Solutions; Vice President at MONY; and Vice President of Sales for the Northeast Region of Citicorp Investment Management.

Joe received his B.S. in Marketing from Fordham University and his MBA from the Fordham Gabelli School of Business.

"Financial wellness is the missing piece in helping people save and invest for an enjoyable retirement - and Sum180 easily solves the financial wellness puzzle! Employers and advisors who provide access to this valuable service can change employees’ lives for the better."

Monique advises the Sum180 team on innovation and technology (trends). She is the Founder and Principal Consultant for Quartz Smith Strategies, and has had a multidisciplinary career in business, with specialization in innovation. Previously, Monique was Innovation Unit Project Manager at the University of Louisville, where she focused on promoting community-wide entrepreneurship and commercialization. She also manages business operations at a federally-funded medical device company. Monique has worked with a variety of corporations, government entities and nonprofits to leverage the value and opportunity of innovation.

Monique received her MBA and BS in political science and government from the University of Louisville. As a community leader, Monique is a founding co-organizer of the Diversity Pitch Fest and is an active volunteer in Louisville's communities. She was recently named as a 2018 City Champ by Greater Louisville Incorporated, the Metro Chamber of Commerce.

"I can think of few things more exciting than developing and using cutting-edge technology to ease the challenges faced by underserved communities. The epidemic of financial stress has been upon us for many years now, but at Sum180, we are finally building and making available the tools that ordinary people need to make a real change - and move forward."

Chris has 15 years of experience in human resources with major corporations such as Walt Disney, Papa John’s, AEGON, and Yum! Brands, mostly in the learning and development segment of human resources, where she focused on behavioral change. Most recently, Chris applied her skills and experience in behavioral change as leader of global wellness for Yum! Brands.

Chris has a BA in Psychology from the University of Missouri-Columbia and a MS in Human Resource Development from the University of Louisville.

"My passion is helping each person become his or her best self. I love watching the lightbulb go off and self-confidence skyrocket. That’s why I’m so impressed with Sum180’s highly personalized plans and focus on each individual’s accomplishments. The Sum180 approach is so empowering!"

Mike has held senior leadership positions focused on sales, marketing, service and operations at such diverse companies as Apple, Sun Microsystems, Yahoo! and Microsoft.

Most recently, Mike served as the SVP for Group Operations at Humana where he led the B2C and B2B teams supporting over 10m members and 100k customers. In addition, Mike serves as an advisor to Zipari (a healthcare CRM company) and Atlas of Caregiving (a philanthropy serving those who serve others) while also serving as Vice Chair of the Louisville Urban League.

Mike has a BA from the University of Pennsylvania and an MBA from Northeastern University.

"With employee financial stress at record levels nationwide, it's clear that a truly comprehensive corporate wellness program must address financial wellness, in addition to physical and mental wellness. Sum180's powerfully simple approach to financial wellness has the potential to be a game changer - by allowing employees to feel both safe to engage and empowered to act."

As CEO and Founder of Sum180, Carla leads a team of financial experts, marketers and technologists who are rethinking financial planning services from the ground up. Carla started her career at Morgan Stanley & Co. in financial analysis and new product development, in the company’s New York, London and Geneva offices. She then co-founded a financial advisory and fund administration firm that was acquired by a Boston bank now owned by State Street Bank.

Carla was the founding CEO of Community Foundations of America, Inc., involving 115 community foundations nationwide. She also served as a senior administrator in the university health care industry focusing on strategy development and execution. She previously served as CEO of IMC, Sum180’s major investor.

Carla graduated Phi Beta Kappa from the University of Michigan with a B.A. in economics and political science, and she holds an M.B.A. from the University of Chicago.

“Starting my career at Morgan Stanley gave me a deep grounding in finance, a discipline I've loved ever since. Now, at Sum180, we've developed a service that finally gets right many of the issues that, for too long, the industry has gotten wrong. I feel like I was training for this my whole life”

Sum180 Founder and Chairman Stephen Reily lives to find marketplace gaps and opportunities for new consumer offerings. In 1998 he brought his legal background together with a passion for consumer marketing when he founded IMC Licensing, an agency that has developed new product strategies – and new products – for global companies like Kraft Foods, AT&T, S.C. Johnson, L’Oréal, Hilton and hundreds of other iconic brands. Frustrated with his own clients’ refusal to invest in some of their most profitable and loyal consumers (women 35+), Stephen launched a new product offering himself: Vibrant Nation, a digital agency and this vibrant demographic’s leading network of influencers. Listening to consumers complain about the financial advice industry led Stephen to create Sum180.

Stephen graduated from Yale College, summa cum laude, and from Stanford Law School, after which he clerked for Justice John Paul Stevens of the U.S. Supreme Court. He and his wife, historian Emily Bingham, have three children.

“To truly serve customers, the first thing we need to do is listen. Fortunately, social and digital media have given us better tools than ever to engage consumers directly, as partners. At Sum180, we put client feedback at the center of every aspect of our process - from strategy to product to marketing. Our abiding respect for each individual client has shaped Sum180 at every level.”

Nancy has 20 years of experience developing successful growth strategies for a broad range of clients across multiple sectors, including Discover Card, Allstate, DIRECTV, and the Cisco Foundation. Prior to joining Sum180, Nancy led operations and client services at Analytic Innovations, a company specializing in predictive modeling and customer behavior analytics. At Krumm & Associates, Nancy handled analysis and client services in support of customer marketing for Fortune 500 companies.

Nancy has spent her career as an “interpreter,” breaking down and organizing information from customers and the marketplace in a way that gets business and technically trained teams working together to design and launch new, better solutions. She also specializes in applying strategic leadership and analysis to bring ideas to fruition. For instance, as Senior Director of Research and Strategy at IMC, Nancy has brought market research and consumer insights to an understanding of clients’ brands, products, channels, and consumers, developing strategies that stretch them in new, revenue-producing ways.

Nancy graduated summa cum laude from Knox College, in Galesburg, Illinois, with dual degrees in economics and history. While at Knox she was elected into Phi Beta Kappa and published original research in her majors.

“I'm passionate about designing simple, elegant solutions to complex challenges. I love that Sum180 took on a really complex challenge with a totally fresh approach - one that put clients at the center of the discussion!”

Cara has been a writer and editor for such innovative media companies as Lucasfilm, Creative Publications, Classroom Connect, and CNET (now CBS Interactive).

Before joining Sum180 as its Director of Communications, Cara was Editor of VibrantNation.com, where she worked closely with the largest online community of women age 45+ to identify what this influential demographic needs and wants, across the full range of topics unique to this life stage. She was also Director of Communications for the marketing agency IMC, Vibrant Nation’s parent company, designing influencer marketing campaigns to enable brands and marketers to reach and engage this powerful purchasing demographic.

Cara received her M.A. in English from the University of California at Irvine and her B.A. from the Ateneo de Manila University in the Philippines.

“I'm excited about Sum180 because we collaborated with our clients to build something completely new, that now has the potential to make a meaningful difference in many lives. I'll be doing my best to continue channeling our community's ideas into a service that gets even simpler to use and more responsive over time.”

Kristine is an execution-focused leader with an entrepreneurial spirit and a bent toward product, innovation and strategy. She aims always to make an impact both inside and outside an organization, and is fascinated by how changes in infrastructure and incentives can align goals and change behavior.

Kristine has over 12 years of professional experience at Humana, where she currently serves as Humana’s Vice President of Wellness Strategies and Solutions. Kristine’s areas of special interest include: business plan development, competitive analysis, customer relations, innovation, insurance, leadership, management, positioning, sales, and strategy.

Kristine has a master’s degree in Public Health from the University of Carolina at Chapel Hill and a Bachelor of Applied Science degree in Health and Health Care Administration/Management from Ohio University.

“I find working with purpose-driven, socially and environmentally conscious organizations exciting and rewarding. Sum180’s mission to make financial health truly accessible to everyone addresses an important gap in employees’ overall wellbeing. Sum180 is service that can make a real, positive difference how real people deal with their money.”

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