Our Team
The people behind every trade, every portfolio, and every return.
Ethan Cross
CRYPTO+ · 5–10 yrs · ETF core · Crypto as the growth engine
"The best investment decisions I ever made were the ones I made when everyone else was terrified. Crypto doesn't just reward capital, it rewards conviction."
My investment journey started in 2014 with traditional equities and index funds. By 2017, after months of research into the underlying technology, I made my first Bitcoin and Ethereum purchases, and everything changed.
I founded 401kinvestment in 2019 with one belief: the same institutional-grade strategies used by billion-dollar hedge funds should be accessible to every investor, regardless of capital size. Our AI platform is the culmination of that conviction.
Crypto remains my highest-conviction asset class for the next decade. I view it as the flywheel that can meaningfully outperform traditional benchmarks, but it requires discipline, patience, and a clear framework for navigating volatility.
The cornerstone. I never sell my core Bitcoin position. I actively trade around the edges to accumulate more sats during bear markets, buying when sentiment is at its lowest and on-chain data signals bottoms.
My second-highest conviction. Ethereum's role as programmable financial infrastructure is still vastly underpriced relative to its long-term potential. ETH to $15K is, for me, a conservative target.
The foundation. A core allocation to VWRL and S&P 500 ETFs ensures the portfolio is never fully exposed to crypto volatility, and compounds reliably through every market cycle.
Bitcoin is naturally the anchor of any serious portfolio. I plan to never sell a large core position, but actively trade around it, accumulating more during bear markets and trimming in euphoric cycles. The key is patience on higher timeframes, away from the intraday noise.
Crypto's volatility is its greatest feature, not its bug. The moments of maximum fear, real crashes, capitulation, market depression, are almost always the best entry points. I've built my portfolio by buying what others were selling in panic.
The biggest edge we built into 401kinvestment is AI-managed execution. Human emotion, fear, greed, FOMO, is the single biggest destroyer of portfolio returns. Removing it through AI systems has been the most impactful decision we ever made.
Rebecca Gomez
Deputy Chair & CTO
Rebecca leads all technology strategy at 401kinvestment. With deep expertise in blockchain infrastructure, DeFi protocol design, and AI-driven trading systems, she has been central to the platform since 2012.
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Sara Raso
Director of Investments
Sara oversees all institutional crypto allocation strategy. She has managed $2B+ across Bitcoin, Ethereum, and DeFi protocols, and personally reviews every plan structure deployed on the platform.
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Michael Eastwood
Principal Fund Manager
Michael joined in 2015 and manages institutional OTC crypto trades across 40+ countries. His AI-driven portfolio strategies underpin every plan from Starter to Segregated.
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Theodore Brooks
Head of Client Services
Theodore leads onboarding, KYC compliance, and 24/7 investor support across 130+ countries. Every client, at every plan level, receives the same world-class standard of service.
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Gloria Nobert
Client Services Executive
Gloria brings 14 years of experience in digital finance and client relations, ensuring every investor interaction reflects our core values of transparency, reliability, and partnership.
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