At Torch, we are dedicated to igniting a future where financial empowerment is accessible to all, transforming lives and fostering thriving communities. The financial services industry fails to provide solutions which address the complexities faced by lower-wage workers. More than 85m workers earn less than $35k per year.Low-income workers lack financial clarity, creating doubt and uncertainty when making financial decisions due to the complexity of benefits, taxes, and expenditures.This financial uncertainty also affects non-profits seeking to help individuals and families escape poverty, governments and legislators serving constituents and making policy changes, and businesses and employers struggling with hiring, retention, and employee development.Our financial planning, analysis, and modeling platform, LUMINATE, delivers clarity to everyone, across multiple sectors.Families & Individuals: Financial planning and decision modeling, including benefits cliffs and taxes.Workforce Centers & Non-Profits: Client financial planning; Program efficacy insights; Increased fundraising.Governments & Legislators: Policy change impact modeling and prediction; Program efficacy data.Businesses & Employers: Improved retention; Clear compensation modeling; Professional development for workers.

CEO, President of Board of Directors, Senior General Manager (six-state region)