John P Brown is CEO of Poncho, building personal financial readiness infrastructure for the military and national security workforce. A former Marine Corps officer, John has 20 years' experience as a founder, executive, and consultant building enterprise software in cybersecurity, human capital management, and supply chain risk management for large enterprises and government organizations. He holds a Masters of Public Administration from the Harvard Kennedy School and a Masters of Business Administration from the Harvard Business School and is a Life Member of the Council on Foreign Relations.