Dave is founder and CEO of Tomorrow, a financial services app that aims to bring economic security to millions by empowering anyone to make a plan, receive free estate planning, and receive recommendations for financial products. Previously, Dave founded Banyan Branch (acquired by Deloitte, 2013), a leading social media marketing agency that propelled blue-chip companies into the new world of engaging customers on social platforms. Dave’s love of music and technology positioned him to lead product development for the Rhapsody Music Service, where he helped bring the service natively to the web, then to a multitude of social sites. Dave along with Rhapsody colleagues built a social network for readers called Shelfari. Shelfari grew rapidly through solely social and viral marketing—reaching millions of members within 18 months—and was acquired by Amazon.com. Dave’s entrepreneurial efforts in microcredit banking include founding and editing the first academic journal and the largest conference on the subject, advising education microloan innovator Vittana, and authoring *Grameen Reference* while a Fulbright scholar with Muhammad Yunus at Grameen Bank.