“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.

Allio Portrait Joseph

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.

A natural entrepreneur who graduated during the ‘Great Recession’ he feels a special kinship and responsibility to Gen Z and Millenials to help them adapt to the new structural changes in the global economy. He used his experience navigating business cycles as the inspiration to build an investment app that truly gives all people access to advanced savings and investment strategies designed to hedge inflation by optimizing upside potential with downside protection via a combination of ML and human oversight via the Allio finance team.

He currently resides in Lake Oswego, Oregon with his 2 playful French Bulldogs Giuseppe and Moe.

Allio Portrait Ray

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.

Allio Portrait Bill

Bill Chen

COO / Quant Strategist

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.

Allio Portrait David

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.

Allio Portrait Jonathan

Jonathon Gray

Senior Full Stack Engineer

Jonathon is a full stack engineer with over ten years of experience across a broad range of industries (health, finance and sports science). Prior to joining Allio, Jonathon worked on modernizing clinical programs, replacing traditional methods with modern efficient software. Jon enjoys learning new technologies and libraries, really likes coffee, and can beat anyone down a mountain (pick a way).

He currently resides near Sacramento, California with his wife and 3 kids.

Allio Portrait Robot

Jackson Graves

Full-Stack Engineer

Jackson is a full stack engineer with an emphasis on frontend and product. After working in the energy industry, he joined Allio to build fintech solutions for the next generation of investors.

Allio Portrait Eddie

Eddie Drapkin

Senior Full Stack Engineer

Eddie is a software optimist who believes in the positive potential of what coding can do for the world. Despite a childhood spent dreaming of NASA and building model rockets, he realized the sky is for the birds, finding his true calling in skipping physics classes to spend more time in the computer lab. Before joining Allio, Eddie's worked a number of companies both large and small across a number of industries, leading multiple full-stack projects all dedicated to creating a great user experience.

Eddie currently lives in Boynton Beach, Florida with his dog River but has called more than a half dozen states home.

Ben Bryant

Ben Bryant

Director of UX

Ben started his design aspirations painting and doing murals at a young age, this evolved to designing applications. Joining the Marines out of high school helped Ben build his team mentality that he pushes today. He has worked in the fintech industry for the past 6 years at a publicly traded company. He strives to put the customer first in everything he does. Ben thinks the financial sector has yet to hit the 21st century in how they create products for their customers.

If you don’t find Ben behind his screen, check in the sawdust because he also enjoys spending time creating custom furniture for friends and family.

Shiley Johnson

Shiley Johnson

Director of Operations

Shiley is an accomplished business operations leader with a passion for developing practical business solutions that drive growth. Over his 15 years of experience in consulting and technology services, Shiley has enjoyed building a portfolio of highly accomplished teams that produce amazing results. He has a passion for understanding the way things work and his formal education in Physiology from the University of Colorado and an MBA from the University of Denver are evidence of such.

Shiley is a rare, but proud, Colorado-native raising his Colorado-native family with his Colorado-native wife to appreciate the way things used to be when they were kids.

Allio Portrait Daniel

Daniel Smith

Creative Strategy Manager

Daniel is, first and foremost, an artist. With an MFA from the University of Southern California's prestigious School of Cinematic Arts, he has dedicated both his personal and professional life to producing meaningful, innovative content. He applies this passion for art and design across the Creative Marketing landscape, having worked within Creative Strategy, Content Creation, and Art Direction with powerful brands including Meta, Lyft, and Live Nation Entertainment. His free time is spent drawing, painting, and having full conversations with his dog.

Allio Portrait Callie

Callie Gates

Marketing Director

Callie is a marketing leader with experience in product marketing strategy in niche startups. She currently lives outside of Seattle, Washington, and hates the rain.

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