The Algorithmic Wallet

**Randall Martineau** is a financial technology strategist and independent researcher who has spent the past decade at the intersection of artificial intelligence and personal finance. After earning a master’s degree in computational finance from the University of Chicago, he joined a boutique wealth management firm where he built machine-learning models to optimize client portfolios. There, he witnessed firsthand how the same algorithms that powered institutional trading could be adapted for everyday money management—if only they were made accessible and transparent.

Frustrated by the opacity of many “AI” finance products, Randall left the firm to consult for fintech startups and eventually founded his own advisory practice, *Martineau AI Finance*, which helps consumers evaluate and implement algorithmic tools without compromising their privacy or financial independence. He has contributed articles to *Forbes*, *The Motley Fool*, and *NerdWallet*, and has been a featured speaker at SXSW and the Fintech Nexus conference.

*The Algorithmic Wallet* is his first book, born from the belief that personal finance is not about earning more but about keeping more of what you earn—and that AI, properly understood, can be the most powerful ally in that mission. Randall lives in Portland, Oregon, where he bakes sourdough, hikes the Columbia River Gorge, and occasionally lets his robo-advisor rebalance his retirement accounts. He invites readers to reach out with questions or tool recommendations on his website, randallmartineau.com.