Born in New York City’s east village, Noah Kerner got involved with Acorns two months after launch as an adviser, investor, board director and then CEO. His background is colorful: 3X entrepreneur, Co-author of "Chasing Cool” with the former CEO of Barneys, and former DJ for Jennifer Lopez...all before 30. Noah built the leading millennial creative agency, Noise. Before being acquired by Engine, Noise developed hundreds of products and marketing campaigns for this generation including Facebook’s first application, the first credit card to reward responsibility rather than spending for Chase, Vice's music site Noisey, and the top branded game in the App Store. Noah was featured as a "Top 30 Under 30" in Billboard Magazine, a Fast Company "Innovation Agent," and one of AdWeek's "Top 20 under 40." He also advises and invests in a variety of fast-growing startups, including WeWork, where he served as the first Chief Strategy & Marketing Officer. Passionate about educating today’s youth, Noah has lectured on entrepreneurialism and media at NYU, UCLA, Stanford, and Columbia and currently serves on the Board of VH1's Save The Music Foundation. Noah is a graduate of Cornell University where he studied Psychology and Economics.

What's been your best investment?

My apartment in New York City. I love it and it keeps appreciating. That's the best kind of value.

Best financial advice?

Try to never make decisions driven by fear. But since we all get afraid sometimes, I think it's good to just take a long walk in the sun before making a big investment decision.

What dream do you hope investing helps you realize?

I've always hoped investing allows me to get involved in things that bring me pleasure and/or create positive change in the world - whether it's an apartment for myself or a great company advancing society.

What splurge do you wish you could take back (and invest instead)?

I don't really splurge. I've been wearing the same t-shirts since I was 18.

Disclosure: Answers to the Q & A are not meant as investment advice and should not be read as recommendations to buy or sell securities.

Manning launched market-leading products and programs at JPMorgan Chase like Chase Sapphire, Chase Freedom and Chase Ultimate Rewards, and was named an Ad Age "40 Under 40." He spent four years in Beijing, China, as CMO of JPMorgan Chase's consumer team and while there, founded a local credit card business. During his 18 year tenure at Chase, Manning oversaw many departments including Branding, Advertising, Product Development, Marketing, Corporate Development, Innovation, Sales Strategy, and, lastly, as the Managing Director of Loyalty Innovation. He and his wife have three future Acorns investors.

What's been your best investment?

Walmart. I'm from Arkansas, and I've had Walmart stock since I was a teenager.

Best financial advice?

Identify the things you want to pay a premium for (for me it's dining) and then be hopelessly cheap on most everything else.

What dream do you hope investing helps you realize?

It's really about being in a position where I can pursue my passions with a "!" instead of a "?"

What splurge do you wish you could take back (and invest instead)?

Pretty much any Napa Valley wine club I ever signed up for…

Disclosure: Answers to the Q & A are not meant as investment advice and should not be read as recommendations to buy or sell securities.

Before joining Acorns as Chief Technology Officer, Jeff was Chief Technology Officer at edo Interactive, responsible for product management, engineering and analytics, and leading edo's international expansion efforts. Prior to edo, Jeff served as Vice President of Engineering and Vice President of Product Strategy at Orbitz Worldwide, where he developed long-term strategies for product marketing and distribution. Jeff helped design and build the global platform that powered websites such as Orbitz.com, Cheaptickets.com and eBookers.com, and was an early developer of the Orbitz hotel and private label systems. Jeff began his career in innovation as a technology consultant at Ernst & Young, specializing in Web and mobile technologies.

What's been your best investment?

My education.

Best financial advice?

Maximize your 401(k).

What dream do you hope investing helps you realize?

Being able to provide for my family — a comfortable retirement for my wife and me, as well as sending my kids to college.

What splurge do you wish you could take back (and invest instead)?

Possibly hiring a videographer for our wedding, as we haven't looked at the video since.

Disclosure: Answers to the Q & A are not meant as investment advice and should not be read as recommendations to buy or sell securities.

Jennifer began her financial journalism career as the foreign exchange columnist for The Wall Street Journal. She has since been Personal Finance Editor at CNBC Digital, Editor-in-Chief/Senior VP at DailyWorth and a General Manager at Hearst Digital, where she oversaw four magazine sites. The co-author of two personal finance books, Jennifer's written for The New York Times, The Washington Post, Forbes, Worth, Money and Newsweek, where she was a staff writer and editor for seven years. She lives in Brooklyn with her husband and two future Acorns investors. Follow her @JBarrettNYC.

What's been your best investment?

Back in mid-2008, I got an advance for a book I co-authored and put almost all of it into the stock market. It took a lot of willpower not to pull that money out as the market continued to drop for months, but then it hit bottom and turned. In the eight years since I invested that money, the value has grown by more than 50 percent. It was a great reminder that if you can ride out the dips and downturns, you can be rewarded over time.

Best financial advice?

Pay yourself first.

What dream do you hope investing helps you realize?

Investing has already helped me realize one of my dreams: being able to buy the home in NYC where I live with my husband and two sons.

What splurge do you wish you could take back (and invest instead)?

A certain tattoo I got in my 20s. It cost 10 times more to have it removed than it did to get it. And it's still visible if you look closely. It serves as a good reminder to think twice before buying anything I might later regret.

Disclosure: Answers to the Q & A are not meant as investment advice and should not be read as recommendations to buy or sell securities.

Jessica honed her communications skills during her tenure at Point72, where she led communications for the firm’s venture capital arm — Point72 Ventures — in addition to serving as Vice President of corporate communications of the hedge fund. She then went on to found Bevel, a leading public relations consultancy that works with venture capital funds, tech and fintech brands. Prior to Point72, Jessica had multiple sales and marketing roles at Moody’s, which included Head of Marketing Communications and Director of Global Sales, managing a book of $12.5M. She started her career at a mid-sized PR agency in NYC at the beginning of the financial crisis in 08’. Her clients included OppenheimerFunds, RBC, RBS, and Jefferies. Jessica has received multiple awards for her work including PR News “Rising Stars 30 under 30” and Moody’s “Rising Star Award.” She holds her MBA of Finance from Zicklin School of Business at Baruch College and is a graduate of Quinnipiac University where she studied Public Relations. She currently serves on the Board for Children’s Cancer Recovery Foundation and volunteers a significant amount of her time doing public relations for non-profits focused on pediatric cancer.

What's been your best investment?
Although at the time I wasn’t happy, investing in my future by pursuing my MBA in Finance while working full-time. It advanced my career at a young age and I’ve applied what I learned to a career in financial communications.

Best financial advice?
Don’t wait to invest. The worst decision you can make is doing nothing at all.

What dream do you hope investing helps you realize?
The first time I stayed in Laguna I fell in love with the views and calmness of the water. I’ve always hoped to own a vacation home in the Hills so I can surf every morning.

What splurge do you wish you could take back (and invest instead)?
A Lululemon sweater crop top that was more than $150. Sweaters that are crop tops don’t make any sense. Also crop tops that are more than $20 should always be reconsidered.

Disclosure: Answers to the Q & A are not meant as investment advice and should not be read as recommendations to buy or sell securities.

Smith is a digital product builder and strategist with over 18 years of experience in product management, execution and operations. He has built award winning product management and development teams across verticals, including digital marketing and media. Smith cut his teeth at GeoCities (acquired by Yahoo!), helped develop the world’s first personalized video over IP offering and launched Current TV — the global media network founded by Al Gore. In the agency space, Smith launched dozens of innovative client projects for Chase, Vice, Intel, GE, Coke and EA Sports. And like every parent at Acorns, Smith and his wife are raising 3 future Acorns investors.

What's been your best investment?

IVF, which gave my wife and me the family we always wanted.

Best financial advice?

No, really. Spend less than you earn.

What dream do you hope investing helps you realize?

To travel the world with my family (and still be able to pay for college).

What splurge do you wish you could take back (and invest instead)?

All those dinners out before we had kids! If I had invested that money instead, I’d be much closer to my investment goals! Every. Little. Bit. Counts.

Disclosure: Answers to the Q & A are not meant as investment advice and should not be read as recommendations to buy or sell securities.

Jike is a product strategist, team builder, and inventor with 17 years of experiences across industry and academia. Passionate in working cross-functionally to empower growth-stage businesses to deliver long-term enterprise value, Jike built the team that prevented $30M/year in fraudulent loans at Yirendai (NYSE:YRD), and served as its Chief Data Scientist when the online P2P lender went public. He built the team responsible for the personalized ranking algorithm at Simply Hired, and was also invited to the White House multiple times to advise on data-driven approaches for reducing unemployment. Jike also led quantitative risk analytics for private equity investments at Silver Lake. On the academia side, he founded a research center and a teaching center at Carnegie Mellon University as adjunct professor and PhD advisor, created and teaches a new course in quantitative credit risk assessment at Tsinghua University as adjunct faculty. Jike holds a Ph.D. from University of California, Berkeley, M.S. and B.S. degrees from Carnegie Mellon University, and 10 patents (6 granted, 4 pending).

What's been your best investment?
Pursuing the love of my life in my undergraduate years, and nurturing a strong relationship with my wife that has survived ups and downs over the decades, while receiving emotional, intellectual, and financial dividends everyday of the year!

Best financial advice?
Invest in yourself, through education and experiences; focus on your strength, and diversify your portfolio for everything else.

What dream do you hope investing helps you realize?
Achieve financial freedom, so I will not be a burden on society; Gain independence, so I can apply AI even more broadly to help people gain financial, health, and spiritual wellness.

What splurge do you wish you could take back (and invest instead)?
The expensive camera lens that allowed me to capture beautiful images that I don’t have time to look at any more.

Disclosure: Answers to the Q & A are not meant as investment advice and should not be read as recommendations to buy or sell securities.

Peter has worked in the securities industry for 30 years, and has been a compliance officer for more than 14 years. He joined Acorns after spending the past 17 years at Fidelity Investments. In his last position as Director of Business Oversight, he led risk management for Fidelity Brokerage Service’s $100B retail managed accounts program. From 2003 to 2010, Peter served as Vice President of Client and Supervisory Oversight at Fidelity Institutional Wealth Services (IWS), where he established, implemented and enforced compliance and sales practice procedures for the independent investment advisor custody and clearing platform. Prior to Fidelity, he worked at CIBC World Markets, Oppenheimer & Co., Bear Stearns and Dean Witter. Peter earned a BA in Economics from Georgetown University and an MBA in Finance from Seton Hall University.

What's been your best investment?

My daughter’s college education at Tulane. She will be entering Medical School in 2017.

Best financial advice?

Invest in yourself. Always look for value in financial instruments and remember that investing is a long-term endeavor.

What dream do you hope investing helps you realize?

I want to be able to afford a comfortable life in retirement with my family.

What splurge do you wish you could take back (and invest instead)?

I somewhat regret purchasing a BMW sports car about 8 years ago.

Disclosure: Answers to the Q & A are not meant as investment advice and should not be read as recommendations to buy or sell securities.

Prior to joining Acorns Dave worked at Amazon where he built the Prime Now and Amazon Fresh technology teams in Irvine, CA. Dave and his teams created Amazon’s hyper-local, ultra-fast third-party fulfillment service and technology, partnering with Sellers around the globe to bring their products to customers in under an hour. During Dave’s 11 years at Amazon he was a serial entrepreneur, bouncing from business to business innovating in Payments, Retail, and Operations. Dave is a Southern California native, but has spent time overseas in England and Japan, and speaks Japanese fluently. He and his wife have 5 future Acorns investors.

What's been your best investment?
Amazon stock (I started working there when shares were $30).

Best financial advice?
Diversify your investments and increase your financial literacy.

What dream do you hope investing helps you realize?
I have 5 kids, so who knows how many grandkids I’ll have or where they’ll end up living. Investing now will help me realize my dreams of being there for my kids and grandkids even when they are grown and gone.

What splurge do you wish you could take back (and invest instead)?
I bought a smart watch in 2017 that I regret; although it did come in handy when I crashed my electric skateboard and it saved me from some major road rash.

Disclosure: Answers to the Q & A are not meant as investment advice and should not be read as recommendations to buy or sell securities.

David joined the Acorns team as the first full-time designer before the app launched in August 2014. He’s helped define the Acorns brand, aesthetics and now leads a team of passionate world-class designers focused on bringing the best possible experience to life for our users. Before Acorns David helped several companies build and launch successful apps for clients like Intuitive Surgical and Barracuda Networks. David takes a unique approach to Product Design by blending his passions for art and technology, getting his start in computer graphic visual effects at companies like Blizzard Entertainment and Nickelodeon.

What's been your best investment?

My friendships.

Best financial advice?

Max out your retirement savings as early as possible. Spend money on things that improve your quality of time, time is the one resource you can’t get more of.

What dream do you hope investing helps you realize?

Buying my childhood lake house.

What splurge do you wish you could take back (and invest instead)?

When I was young and just starting to work, I spent all my money on a lot of dumb things, including an expensive collar for my dog. I wish I’d known more about investing. If I’d invested the money I spent on that collar in Apple stock, it’d be worth a couple thousand dollars today…

Disclosure: Answers to the Q & A are not meant as investment advice and should not be read as recommendations to buy or sell securities.

Kennedy wasn’t looking for an in-house role when she took on Acorns as a client through her content and brand strategy consultancy. The mission and team changed her mind. Today, she works across the organization to bring our story, values, and vision to life. Previously, she started Kennedy Reynolds Consulting and partnered with clients from Under Armour to Microsoft on writing, content strategy and brand identity. Kennedy created the Brand and Storytelling Team at Zeno Group, a Daniel J. Edelman agency, while Vice President and Head of Digital Content in their New York Office. Her clients included Virgin America, Unilever, WeWork and the NFL. Prior, she was a Content Manager at Edelman, serving two of their largest global accounts.

Kennedy received her Master of Fine Arts in Creative Writing at the University of London, where she published a collection of short stories and poems written by her class. She received her Bachelor of Arts in English and American Literature and Language at Harvard University.

What's been your best investment?

My passport.

Best financial advice?

You can live in the moment and save for later. The two aren't mutually exclusive. Invest a portion of your money regularly, however small, and let that be the pot you never, ever touch. Forget it's there. With the rest, carpe diem.

What dream do you hope investing helps you realize?

I hope my children get to see the world and I hope I get to see a bit of it with them.

What splurge do you wish you could take back (and invest instead)?

Outside of travel, all of them.

Disclosure: Answers to the Q & A are not meant as investment advice and should not be read as recommendations to buy or sell securities.

Prior to joining the Acorns leadership team, Randy was the Founder and CEO of Vault, a startup focused on helping everyday Americans automatically save and invest a percentage of their pay towards retirement. Shortly after the successful launch of Vault's mobile apps, Randy was introduced to Noah Kerner, which eventually led to an acquisition of the company by Acorns in November of 2017.

The new team members quickly started to work on a retirement product that would develop into one of the company's latest successes, Acorns Later. Randy and the former Vault team reside in Acorns' newest office, Portland Oregon.

What's been your best investment?

Founding Vault. It was a priceless experience that introduced me to my Portland team and eventually brought us Acorns.

Best financial advice?

Take the emotion out of investing and play the long game. Try not to overreact to fear or get sucked into greed and stick to the plan.

What dream do you hope investing helps you realize?

I hope investing early in life provides me with the freedom to help others open doors that once seemed impossible.

What splurge do you wish you could take back (and invest instead)?

I've been living on a founder's budget for years. It's time to splurge a little.

Disclosure: Answers to the Q & A are not meant as investment advice and should not be read as recommendations to buy or sell securities.