Galia Gichon is an independent personal financial expert with more than 18 years of experience in financial services, including nearly 10 years on Wall Street, and an MBA in Finance. She runs her own company, Down to Earth Finance, which offers personal financial education, and is completely independent! She has been quoted or made appearances in the TODAY SHOW, CNN, New York Times, Wall Street Journal, Glamour, SELF, and many more. She is the author of the “My Money Matters” kit, which was featured in Newsweek and the TODAY SHOW. She is also a regular speaker at Freelancers Union, Barnard Athena Leadership Lab and Governor’s Conference for Women. Visit her at www.downtoearthfinance.com.