“A dream you dream alone is only a dream. A dream you dream together is a reality.”

—John Lennon

Allio's team has been assembled bringing together the best minds in finance, product, design and operations to bring our users the best finance experience ever.

Joseph Gradante


Joseph is a finance vet from NYC whose Aunt & Uncle helped pioneer the formation of the early hedge fund industry. He has an extensive background in capital markets, having spent several years as a buy-side global macro strategist, sales trader, and private money manager.

Joseph is a natural entrepreneur who has had the rare privilege of experiencing the glory days of NYC sales trading before transitioning to tech and watching the formation of FinTech, giving him a unique vantage point on the space. Joseph did a triple major for his B.A. in Political Science, Economics, and Public Policy, and has successfully completed two accelerators (WTIA & Venture Out), the Y-combinator startup school, and the Wharton School FinTech Executive Program.

He currently resides in Lake Oswego, Oregon with his domestic partner (who also works in FinTech) and his playful French Bulldog, Moe.

David Chen

Principal Engineer

David is a tech enthusiast with an analytical prowess for building innovative systems. He holds a B.S. in Civil Engineering from U.C. Berkeley and a Masters in Structural Engineering from MIT, but the rapidly growing web technologies inspired him to solve larger-scale problems as a full-stack software engineer.

Before co-founding Allio, David spent several years as a Senior Software Engineer at Minted, where he built integrated BIM tools and led multiple discipline teams aimed at improving user experience and conversion rates. When he is not at his computer, David enjoys hiking, snowboarding, exploring nature, and taking photos.

He currently lives in San Francisco, California.

Bill Chen

Quant Strategist / Financial Engineer

Bill graduated from Georgetown MBA in 2018 at the top of his class. He then moved on to spend several years at WGL and MorganFranklin Consulting where he has developed a number of quantitative models utilizing Python's machine learning packages. Bill is passionate about investment strategy research and application of machine learning in the world of finance.

His latest achievements include development of a fully automated event driven module that integrates data-sourcing, data-processing, event window setup, portfolio construction and back-testing into one single process pipeline for a startup hedge fund. Bill is a Chartered Financial Analyst (CFA) and a member of Beta Gamma Sigma Honor Society.

Aaron Koller

Head of Product

Aaron is a product leader with a unique and varied background. Prior to joining Allio, Aaron was the second software engineer and then product manager at Collage.com, a custom printing software company known for its superb end-to-end customer experience. After helping Collage achieve extremely strong growth and a successful exit in early 2021, Aaron is incredibly excited to help build Allio's investing platform and serve the new generation of investors.

Aaron has been interested in finance and investing for many years, having directly experienced and learned from the major market events of 2000 and 2008. Aaron holds a bachelor's degree from Harvard, as well as a Ph.D. in philosophy. He lives with his family in Ann Arbor, Michigan.

Raymond Micaletti

Chief Investment Officer

"Ray" has over 20 years of experience at major investment banks, hedge funds, and asset management firms where his primary focus has been on developing and managing quantitative investment strategies. In recent years, he has been at the forefront of developing several new techniques for tactical asset allocation, a topic on which he has published extensively.

A native of Western Pennsylvania, Ray holds a B.S. in Civil Engineering from the University of Notre Dame and a Ph.D. in Engineering Mechanics from Princeton.

He currently resides in Palmas Del Mar, Puerto Rico with his wife and newborn son.

Ri Sharma

Director of Social Media

Ri Sharma is a content strategist, and financial media personality dedicated to shaping voices and growing brands. While she was in university studying finance and recruiting for investment banking, Sharma started Wall Street Confessions, for which she has been profiled on Forbes, Vanity Fair France, Business Insider, and more. Outside of financial media, she's interested in art, literature, and cinema. She currently lives in New York and can't imagine living anywhere else.

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