Galia Gichon is an independent personal financial expert with more than 20 years in financial services, including nearly 10 years on Wall Street and an MBA in Finance. Her career has spanned corporate bond research analyst, personal finance expert, angel investor, entrepreneur advisor and author. As an angel investor and advisor, she has worked with Pipeline Angels, Astia, Topstone Angels and Refinery CT, investing, sourcing deals and providing strategic advice on financing, financials and sales. She is also the Founder of Down to Earth Finance, independent personal finance education and co-Founder of It Will Bloom, strategic consulting to startup companies. She has been teaching at Barnard College’s Athena Center for Leadership for nearly 10 years. She has been widely quoted in The New York Times, NBC, CNN, Real Simple and more. Previously, she worked at Bear Stearns and Nomura Securities. Galia is also the author of “My Money Matters” which was featured on TODAY SHOW.