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Ram Ahluwalia, CFA, is the CEO and Founder of Lumida, a digitally native SEC-registered investment advisor that focuses on alternative assets and estate planning. Previously, Ram served as the Executive Head of Digital Assets at Cross River, a digital infrastructure bank that provides services to FinTech and crypto firms. Ram founded PeerIQ, which specializes in institutional credit risk analytics, and held the position of Principal and Portfolio Manager at Winged Foot Capital, an alternative investment firm. Ram's early career included significant roles at Bank of America - Merrill Lynch, where responsibilities included managing a $120 billion consumer credit portfolio, as well as developing value propositions for a proprietary payments card program. Ram's professional journey began as a Management Consultant at Inductis and included a foundational internship at the Cato Institute. Ram holds a Bachelor's degree in Economics and Philosophy from Columbia University and is an alumnus of Phillips Exeter Academy.