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Andres Garcia-Amaya founded Zoe Financial to empower you to make better financial decisions. Andres got his start in the industry at Morgan Stanley, as an Institutional Equity Sales Trader. He went on to complete his MBA at the University of Pennsylvania’s Wharton School of Business. He rapidly rose through the ranks in various Executive Director roles at J.P. Morgan Asset Management, which oversees over $300 billion in investments. Over his 15-year Wall Street career Andres found the industry is broken.