Founder Bios

These quick bios provide a snapshot of the three individuals leading this innovative retirement & investment plan.

Matthew D. Hutcheson

Mr. Hutcheson is an Independent Pension Fiduciary that is well recognized and trusted in the world of finance, economics, and retirement plans. He is a Congressional Expert, and is recognized around the globe as a dedicated advocate of investor and plan participant rights. Following his testimony to Congress and other Federal Regulators, he has been seen on Bloomberg Television, CNN, C-SPAN and FOX NEWS. Mr. Hutcheson is regularly quoted in newspapers and magazines in multiple English speaking countries, including the United States, Great Britain, and Australia. He possesses extensive private sector experience in operations and administration of large retirement programs. Such responsibilities have included strategic planning, exercising judgment and making decisions, and being accountable for those decisions; and managing hundreds of staff, hired professionals, and other service providers in the aggregate. In 2004, Mr. Hutcheson wrote what has now become the most widely distributed paper on retirement plan economics. The paper has been studied by the White House, the General Accountability Office (GAO), members of Congress and Regulators. In March, 2007, Mr. Hutcheson testified before a full Congressional Committee hearing on retirement plan economics.

Cris Borden

Mr. Borden is Co-Founder and Director of Kobo Wealth Conservancy and Family Office. Prior to founding Kobo, Mr. Borden was the lead Tax-Exempt Bond Portfolio Manager at Bishop Street Capital Management, a subsidiary of First Hawaiian Bank. There he was responsible for portfolio management and trading of approximately $450 million in tax-exempt assets. Under Mr. Borden’s management, the Bishop Street Hawaii Municipal Bond Fund received the Lipper award for highest total return in its class for 2001, 2002, and 2004 and maintained a 4 and 5 star Morningstar rating during his tenure. Mr. Borden spent much of his time advising Private Banking clientele on cash management, constructing bond portfolios to minimize tax liabilities, and other investment matters. Raised in the Chicago area, Mr. Borden earned his M.B.A. in Finance at American University in Washington, D.C., and his B.A. in History from the University of Colorado at Boulder. He served as a Peace Corps volunteer in Nicaragua and later worked on classified international projects as an analyst with the Rendon Group in Washington. Mr. Borden serves on the Leadership Council for the National Federation of Independent Businesses Hawaii (NFIB Hawaii).

Kevin Vaccarello

Kevinʻs natural inclination for systems thinking has been complemented with a diverse background in the soft and hard sciences, non-profit organizational development and for-profit start-ups, as well as marketing, advertising, design & web development. This has provided him a fertile substrate for seeding, nurturing and growing sustainability-oriented solutions to help enable agility, adaptability and self-reliance for individuals and groups.

EVOLUTION SAGE — 2007-PRESENT
Founder and Director. Local carbon consulting, inventorying and offsetting firm serving the state of Hawai‘i. Evolution Sage helps individuals and businesses calculate their carbon footprint and reduce their impact through energy efficiency and renewable energy solutions. Evolution Sage has developed an innovative energy efficiency program for schools, students and their households, which is supported by organizations interested in this synergistic approach to offsetting their global warming pollution.

JOOTS — 2002-PRESENT
Founder and President. Sustainability-oriented consulting firm with a focus on web-based application design and development. Creates constantly evolving solutions like: PIKO, a sustainability-oriented social networking portal; Prosumer Programs, a suite of ecological, socio-cultural and economic betterment tools; EweTools, a suite of powerful, easy-to-use, affordable web tools for businesses; and the Hawaii Policy Portal, a "Testimony-Made-Easy" Tool.

SUSTAIN HAWAII — 2003-2008
Founder and Director. Action-based, educational non-profit dedicated to helping achieve enduring self-reliance by helping balance ecological, socio-cultural and economic needs. Sustain Hawaii encourages collaborative, trans-sector, trans-disciplinary action through integrated research, development and deployment of local and global best-of-breed solutions.