Before co-founding Income Lab, Justin spent ten years in financial services sales, distribution, and management. He led teams in advanced financial planning and portfolio strategy, managed development of financial technology tools, and designed and executed strategies to enter new markets. Prior to his work in financial services, he spent seven years in academia. He has taught at the Massachusetts Institute of Technology (MIT); Harvard University; Queen Mary, University of London; and the University of California, Los Angeles.

Justin earned a BA from the University of Michigan and a PhD from MIT. Justin is a Chartered Financial Analyst (CFA) Charterholder and a Certified Financial Planner (CFP) professional.

Johnny has spent over 20 years in financial services sales, distribution, and executive management. He has led large teams across a wide range of disciplines including external, internal and hybrid sales; recruiting and training; portfolio strategy; market research; advanced planning; and digital distribution strategy.

Johnny earned his MBA from City University of Seattle and studied business law at Syddansk Universitet (University of Southern Denmark). Johnny is a Certified Financial Planner CFP) professional.