Our team of clinical and research psychologists, neuroscientists, psychometricians and data scientists are pushing the boundaries of how we study and understand personality, stress and our relationship with money. We know a healthier, saner and more personalized approach to money is possible, and we’re working to make financial wellness a reality for everyone.

We define financial wellness as a journey toward personal satisfaction with an emphasis on the physical and mental effects of money. We believe life is a journey of self-understanding and want to help you integrate your personal life goals with financial realities to lead to better health and increased well-being.

When we understand our Payoff Personality and habits, we improve our money relationship and become healthier, wealthier and wiser.

Financial Wellness Comes From:
  • Understanding your personality and its influence on your financial habits and behaviors
  • Assessing your financial resources
  • Identifying your sources of financial stress
  • Developing a realistic financial plan that incorporates your Payoff Personality, minimizes your stress and achieves your future goals

Meet Our Scientists

Led by the former Chief Scientist of eHarmony, Dr. J. Galen Buckwalter, our Science Team is a diverse group of PhDs in neuroscience and particle physics along with experts in behavioral economics, psychometrics, data science, and research and clinical psychology.


G buckwalter
J. Galen Buckwalter

Chief Science Officer
PhD, Clinical Psychology

D herman
Dave Herman

VP, Data Sciences
PhD, Neuroscience

B smith
Bryan Smith

Data Scientist
PhD, Particle Physics
MS, Computer Science

M tepper
Michael Tepper

Sr. Data Scientist
MA, Linguistics

C courtney
Chris Courtney

Data Scientist
PhD, Cognitive Neuroscience

K nolan
Kate Nolan

Psychometrician
PhD Candidate, Psychometrics

L wu
Lawrence Wu

Data Science Analyst
BS, Statistics

R howes
Ryan Howes

Board Certified Psychologist
PhD, ABPP, Clinical Psychology



Science Advisory Board

K giesecke
Kay Giesecke

PhD, Associate Professor of Management Science and Engineering, Stanford

L emanuel
Linda L. Emanuel

MD, PhD, Buehler Professor of Geriatric Medicine, Northwestern Medicine

Y abu mostafa
Yaser Abu-Mostafa

PhD, ABPP, Professor of Electrical Engineering and Computer Science, Caltech

C camerer
Colin Camerer

PhD, Robert Kirby Professor of Behavioral Finance and Economics, Caltech