QUICK INFO BOX
| Attribute | Details |
|---|---|
| Full Name | Ryan A. Williams |
| Nick Name | Ryan |
| Profession | Tech Entrepreneur / CEO / Investor |
| Date of Birth | Estimated 1987-1988 (February based on social posts) |
| Age | 37-38 years (as of 2026) |
| Birthplace | Baton Rouge, Louisiana, USA |
| Hometown | Baton Rouge, Louisiana |
| Nationality | American |
| Religion | Christian (Faith-based values) |
| Zodiac Sign | Aquarius (estimated) |
| Ethnicity | African American |
| Father | Not publicly disclosed |
| Mother | Not publicly disclosed |
| Siblings | Not publicly disclosed |
| Wife/Partner | Married (name not publicly disclosed) |
| Children | Two children |
| School | Local schools in Baton Rouge |
| College / University | Harvard University |
| Degree | A.B. (Bachelor of Arts) from Harvard |
| First Startup | Sports Apparel Company (age 13) |
| Current Company | Stealth Startup / Cadre (Former) |
| Position | Founder & Executive Chairman |
| Industry | Real Estate Tech / Fintech / Alternative Investments |
| Known For | Democratizing commercial real estate investment through Cadre |
| Years Active | 2001-Present (25+ years) |
| Net Worth | Estimated $160-200 million (2026) |
| Annual Income | Estimated $10-20 million+ |
| Major Investments | Real estate, fintech startups, diversity-focused funds |
| Limited/Private presence | |
| Twitter/X | @RyanAWms |
| linkedin.com/in/ryanawilliams1 | |
| Crunchbase | crunchbase.com/person/ryan-williams-5 |
1. Introduction
Ryan A. Williams successfully exited Cadre through a merger with Yieldstreet in 2024, marking one of the largest fintech transactions of the past decade, bringing combined assets to nearly $10 billion. From humble beginnings in Baton Rouge, Louisiana, to becoming one of the most influential African American tech entrepreneurs in real estate fintech, Williams has redefined how people invest in commercial real estate.
Who is Ryan A. Williams?
Ryan Williams is a technology entrepreneur and the founder of Cadre, a groundbreaking real estate investment platform that merged with Yieldstreet in 2024. He’s recognized as a pioneer in democratizing access to institutional-quality commercial real estate investments, making what was once available only to ultra-wealthy investors accessible to individuals and smaller institutions.
Why is Ryan Williams Famous?
Williams gained prominence for building Cadre into a billion-dollar fintech company that has facilitated over $6 billion in real estate transactions. He was named to Fortune’s “40 under 40” list in 2019, Forbes’ “30 under 30” list in 2018, and appeared on the cover of Forbes Magazine. As one of the few African American founders and CEOs in real estate technology, he’s become a powerful voice for diversity, financial literacy, and economic equality.
What You’ll Learn:
In this comprehensive biography, you’ll discover Williams’ journey from selling sports apparel as a teenager to building a fintech empire, his innovative approach to real estate investing, his estimated net worth and income sources, his leadership philosophy, and his commitment to creating economic opportunities for underserved communities.
2. Early Life & Background
Ryan A. Williams was born in Baton Rouge, Louisiana, in the late 1980s (estimated 1987-1988). Growing up in a working-class household, Williams learned early on the value of hard work, faith, and family. Despite modest financial means, his upbringing in Louisiana’s capital city instilled in him a strong work ethic and entrepreneurial spirit that would define his future success.
Early Interest in Business
Even as a child in the 1990s, Williams displayed a keen entrepreneurial instinct. He noticed that popular sports accessories from brands like Nike, Adidas, and Jordan were expensive and out of reach for many students, including himself. Rather than accepting this limitation, he saw an opportunity.
First Business Venture
At just 13 years old, Williams launched his first business—a sports apparel company. He traveled to the local wholesale garment district, sourcing high-quality wristbands and headbands for as little as 50 cents each. He then had them customized and embroidered, creating affordable alternatives to expensive brand-name products. The business was an immediate success among his peers, teaching him valuable lessons about identifying market gaps, sourcing products, and customer satisfaction.
Childhood Challenges and Motivation
Williams faced the typical challenges of growing up in a working-class environment where resources were limited. However, these constraints became motivators rather than obstacles. His experience taught him that innovation often comes from necessity and that creative problem-solving could overcome financial barriers.
Early Mentorship
Williams credits organizations like the Network for Teaching Entrepreneurship (NFTE) with providing crucial early mentorship. These programs connected him with business leaders who helped refine his entrepreneurial instincts and gave him confidence that success was attainable regardless of his background.
Role Models and Inspirations
Growing up, Williams was inspired by entrepreneurs who built businesses from the ground up, particularly those who used innovation to level playing fields in traditionally exclusive industries. His great-great-grandmother, Addie Lynch, who was born on a plantation in the late 1800s, serves as a powerful reminder of how far his family has come and motivates his mission to create generational wealth opportunities for others.
3. Family Details
| Relation | Name | Profession |
|---|---|---|
| Father | Not publicly disclosed | Not publicly disclosed |
| Mother | Not publicly disclosed | Not publicly disclosed |
| Siblings | Not publicly disclosed | Not publicly disclosed |
| Spouse | Private (Married) | Not publicly disclosed |
| Children | Two children (names private) | N/A |
| Great-Great-Grandmother | Addie Lynch | Born on plantation (late 1800s) |
Ryan Williams maintains significant privacy regarding his immediate family members. He is married with two children and currently resides in Brooklyn, New York. In social media posts, he has described his family as “my greatest investment” and emphasizes that family and faith form the foundation of his life. Williams has shared that his great-great-grandmother was born on a plantation, a fact that deeply informs his commitment to building wealth and opportunity for future generations.
4. Education Background
Harvard University (Class of 2010)
Williams attended Harvard University, one of the world’s most prestigious institutions, where he earned his Bachelor of Arts (A.B.) degree. However, his Harvard experience went far beyond academics.
Founding Veritas Financial Group
While at Harvard, Williams founded the Veritas Financial Group, which became the university’s largest undergraduate financial literacy organization. This initiative demonstrated his early commitment to democratizing financial knowledge and empowering others to make informed investment decisions.
Working Through College
Unlike many of his peers from wealthy backgrounds, Williams worked his way through Harvard, taking on various jobs and entrepreneurial ventures to support his education. This experience gave him a unique perspective on economic inequality and financial barriers that would later inform his business philosophy.
Real Estate Education During Financial Crisis
During his junior year in 2009, Williams took a trip to Atlanta that would change his life trajectory. In the aftermath of the 2008 financial crisis, he observed rows of foreclosed homes sitting empty. Rather than seeing devastation, he saw opportunity and began educating himself about real estate investing, market inefficiencies, and data-driven property analysis.
Senior Year Entrepreneurship
During his senior year at Harvard, Williams launched an institutional real estate single-family homes fund. He pooled money from classmates and other investors to acquire foreclosed homes in the Atlanta area. This wasn’t just about profit—Williams often worked with previous homeowners, helping them remain in their homes and eventually buy them back. By graduation, he had acquired and renovated more than 20 single-family homes and over 1,500 multifamily units.
Key Lesson from Harvard
Williams’ time at Harvard taught him that innovation comes from seeing opportunities others miss and that technology and data could disrupt even the most established industries. It also reinforced his belief in democratizing access to wealth-building opportunities.
5. Entrepreneurial Career Journey
A. Early Career & First Startup (2001-2010)
Sports Apparel Company (Age 13)
Williams’ entrepreneurial journey began at age 13 when he founded a sports apparel company in Baton Rouge. By sourcing wholesale products and having them customized, he created an affordable alternative to expensive brand-name accessories. This early success taught him about market analysis, supply chain management, and customer needs.
Harvard Real Estate Fund (2009-2010)
Seeing the devastation of the 2008 financial crisis during a trip to Atlanta, Williams created a system to track foreclosed properties using data and neighborhood analytics. He raised capital from Harvard classmates to purchase deeply undervalued homes, renovate them, and either sell them or help previous owners buy them back. This experience cemented his philosophy of “doing well and doing good.”
Critical Early Challenge
As a young African American entrepreneur seeking loans for his real estate ventures, Williams faced rejection from 10 different banks. Finally, Citizens Trust Bank—a Black-owned bank in Atlanta—believed in him. The bank’s chairman personally called to offer support, a moment Williams credits as pivotal to his early success and one that shaped his later commitment to supporting minority-owned financial institutions.
B. Wall Street Experience (2010-2014)
Goldman Sachs (2010-2012)
After graduating from Harvard in 2010, Williams joined Goldman Sachs in the Technology, Media, and Telecom (TMT) group. During his time there, he worked on transactions totaling more than $5 billion, gaining invaluable experience in deal structuring, financial analysis, and institutional investing.
Blackstone Group (2012-2014)
Williams then moved to The Blackstone Group, one of the world’s largest private equity firms, joining their real estate private equity division. At Blackstone, he was involved in over $3 billion in real estate transactions across multiple asset types. This experience gave him deep insights into institutional real estate investing and exposed him to the inefficiencies and barriers that prevented everyday investors from participating.
The Decision to Leave
Despite a lucrative career path at Blackstone, at age 26, Williams made the bold decision to leave and start his own company. Many thought he was crazy to walk away from a prestigious, high-paying job, but Williams had identified a massive market opportunity and had secured commitments from about ten early investors through his personal network.
C. Breakthrough Phase: Founding Cadre (2014-2019)
The Birth of Cadre (2014)
In 2014, at age 26, Williams co-founded Cadre with backing from an impressive roster of investors including Goldman Sachs, Andreessen Horowitz, Ford Foundation, Khosla Ventures, Thrive Capital, General Catalyst, and Harvard University Management Company. Co-founders included Josh and Jared Kushner, though their involvement was primarily as passive investors.
The Vision
Cadre’s mission was revolutionary: to democratize access to commercial real estate investing by making it as easy to invest in real estate as it is to buy stocks. Williams wanted to break down the barriers that kept institutional-quality deals accessible only to ultra-wealthy investors and large institutions.
How Cadre Works
Cadre created a technology-driven platform that:
- Analyzes and vets commercial real estate opportunities (accepting only 2% of submitted properties)
- Provides data-driven insights using machine learning and statistical analysis
- Offers lower investment minimums (starting at $50,000 vs. traditional millions)
- Creates transparency in an historically opaque industry
- Provides liquidity through a secondary marketplace for trading stakes
Initial Traction
The platform quickly gained traction among both individual and institutional investors. Cadre’s innovative model attracted investments from major players including Mark Cuban, George Soros (Soros Fund Management), Peter Thiel (Founders Fund), and SL Green Realty.
Media Recognition
Williams was featured on the cover of Forbes Magazine in 2019 and gained significant media attention from CNN, CNBC, The New York Times, and other major outlets. His story resonated because he represented something rare: a young African American founder disrupting one of the most traditional, wealth-concentrated industries.
D. Expansion & Global Impact (2019-2024)
Revenue Growth & Valuation
By 2018, Cadre had nearly reached unicorn status with a valuation approaching $1 billion. The company secured a landmark deal with Goldman Sachs for at least $250 million in real estate investments from Goldman’s wealthy clients. George Soros quietly backed Cadre with a $250 million credit line.
Series C Funding
Cadre raised a $65 million Series C funding round led by Andreessen Horowitz, bringing total equity capital raised to over $150 million.
Transaction Volume
Between 2014 and 2024, Cadre facilitated transactions totaling over $6 billion in commercial real estate across 24 U.S. markets. The platform returned approximately $500 million to its customer base of more than 50,000 individual investors, with a historic realized return rate of over 18% annually.
Innovation: Secondary Marketplace
Cadre created the real estate industry’s first digital secondary marketplace, allowing investors to trade their stakes in properties—providing unprecedented liquidity in a traditionally illiquid asset class. This innovation was game-changing for smaller investors who couldn’t afford to lock up capital for years.
Diversity Initiatives
In 2020, Williams publicly committed to:
- Partnering with diverse operating partners and lenders
- Holding at least 10% of Cadre’s cash in minority depository institutions
- Creating formal mentorship and skills-training programs
- Advocating for financial literacy education to close racial wealth gaps
Direct Access Funds
In 2021, Williams launched the Cadre Direct Access Fund, a $400 million fund (one of the largest raised during the pandemic for a digital platform) focused on backing minority operators and creating economic equity. Harvard University became an investor. He followed with Direct Access Fund II, continuing the value-add strategy.
Record Transaction
In late 2021, Cadre sold three buildings for approximately $312 million, returning $95 million to investors with an internal rate of return of about 17%. One sale was described as the largest-ever digital real estate transaction.
Forbes FinTech 50
Cadre appeared on the Forbes FinTech 50 list for seven consecutive years through 2023, cementing its position as a leading financial technology innovator.
E. The Exit: Yieldstreet Merger (2024)
Historic Transaction
In 2024, Cadre merged with Yieldstreet in one of the largest fintech transactions since the early 2010s. The combined entity brought together nearly $10 billion in assets under management and served more than 500,000 members across eight institutional and retail distribution channels.
Deal Structure
While financial terms weren’t publicly disclosed, the merger represented a significant liquidity event for Cadre investors and positioned the combined company for a potential IPO. Williams continued as CEO of Cadre (operating independently within the larger organization) and took on the additional role of Global Head of Institutional Partnerships and Clients for the merged company.
Impact and Legacy
At the time of the merger, Cadre and Yieldstreet together had produced more than $3.1 billion in returns for clients. The deal validated Williams’ vision of using technology to democratize alternative investments and created one of the most significant success stories in fintech.
6. Career Timeline Chart
📅 CAREER TIMELINE
2001 ─── Founded sports apparel company (age 13)
│
2006 ─── Enrolled at Harvard University
│
2009 ─── Founded Harvard real estate fund during financial crisis
│
2010 ─── Graduated Harvard; joined Goldman Sachs TMT group
│
2012 ─── Joined Blackstone Group real estate private equity
│
2014 ─── Founded Cadre at age 26; raised initial funding
│
2016 ─── Cadre named to Forbes FinTech 50 (first of 7 consecutive years)
│
2017 ─── Named to Crain's "40 under 40" list
│
2018 ─── Goldman Sachs $250M deal; Forbes "30 under 30"; Nearing $1B valuation
│
2019 ─── Fortune "40 under 40"; Forbes Magazine cover feature
│
2021 ─── Launched $400M Direct Access Fund; Record $312M building sale
│
2022 ─── Business Insider "Top 100 Global Leaders Changing Business"
│
2024 ─── Cadre-Yieldstreet merger ($10B combined assets)
│
2024 ─── Received Ellis Island Honors Society Beacon Award
│
2025 ─── Announced new stealth startup "at intersection of fintech and financial services"
│
2025 ─── Partnered with Jay-Z on Times Square casino inclusive ownership project
│
2026 ─── Current: Building new venture; speaking, advocating for economic equity
7. Business & Company Statistics
| Metric | Value |
|---|---|
| Companies Founded | 4+ (Sports apparel, Harvard real estate fund, Cadre, Stealth startup 2025) |
| Cadre Valuation at Exit | Part of $10B combined entity (2024) |
| Total Transactions Facilitated | $6+ billion in real estate |
| Capital Returned to Investors | $500M+ (via Cadre) |
| Investors Served | 50,000+ individual accounts |
| Major Institutional Clients | Goldman Sachs, Harvard, Ford Foundation, MacArthur Foundation, JPB Foundation |
| Peak Employees (Cadre) | 100+ |
| Markets Operated | 24+ U.S. markets |
| Historic Realized Return | 18%+ annualized (Cadre investments) |
| Equity Capital Raised | $150M+ (for Cadre) |
8. Entrepreneur Comparison Section
📊 Ryan Williams vs Similar Real Estate Tech Entrepreneurs
| Statistic | Ryan Williams (Cadre) | Comparison: Other PropTech CEOs |
|---|---|---|
| Net Worth | $160-200M (estimated) | Varies: $50M-$500M |
| Age at First Exit | 36-37 (Cadre-Yieldstreet merger) | Average: 35-45 |
| Total Capital Raised | $150M+ equity | Typical: $50M-$200M |
| Transactions Facilitated | $6B+ | Varies: $1B-$10B |
| Industry Innovation | First secondary RE marketplace | Varies |
| Diversity Advocacy | Leading voice | Limited |
| Background | Working-class Louisiana | Typically privileged |
Analysis:
Williams stands out not just for his business achievements but for the unique path he took to get there. As one of the few African American founders in real estate technology, he broke into an industry dominated by wealthy, well-connected individuals. His commitment to democratizing wealth-building opportunities and supporting minority-owned institutions sets him apart from many tech entrepreneurs who focus solely on profit maximization.
His ability to attract backing from elite investors like Andreessen Horowitz, Goldman Sachs, and George Soros—despite his non-traditional background—demonstrates exceptional vision, execution ability, and relationship-building skills. The Cadre-Yieldstreet merger represents one of the most significant fintech exits in recent years, validating his decade-long mission.
9. Leadership & Work Style Analysis
Leadership Philosophy
Williams leads with a “do well and do good” philosophy, believing that successful businesses should create value for shareholders while expanding economic opportunity for underserved communities. He emphasizes that profitability and social impact are not mutually exclusive but can reinforce each other.
Decision-Making Style
Williams employs a data-driven, analytical approach to decision-making, likely influenced by his time at Goldman Sachs and Blackstone. However, he balances quantitative analysis with qualitative factors, particularly regarding social impact and long-term value creation. He’s known for evaluating hundreds of opportunities but selecting only the top 2%—a rigorous screening process that prioritizes quality over quantity.
Risk-Taking Ability
Williams demonstrates calculated risk-taking. Leaving Blackstone at 26 to start Cadre was bold, but he had secured early investor commitments and identified a clear market gap. His willingness to advocate publicly for controversial positions on racial wealth gaps and economic justice also shows personal courage.
Innovation Mindset
Williams believes that technology can disrupt even the most traditional industries. His creation of a secondary marketplace for real estate investments—providing liquidity in a historically illiquid asset class—exemplifies innovative thinking. He consistently asks, “How can we use technology to level the playing field?”
Work Ethic
Williams is famous for his intense work ethic. In a 2017 profile, he described having 19 meetings a day and taking five-minute lunch breaks. He’s quoted as saying, “I’ve never let anyone outwork me,” a principle that has guided him since his teenage years in Baton Rouge.
Strengths
- Vision: Ability to see opportunities others miss
- Execution: Track record of turning ideas into billion-dollar businesses
- Resilience: Overcame rejection from 10 banks before finding support
- Network Building: Secured backing from top-tier investors and mentors
- Authenticity: Stays true to his values and background
- Communication: Articulates complex financial concepts accessibly
Weaknesses/Challenges
- Controversy Management: Navigated challenges around co-founder Jared Kushner’s political connections
- Industry Skepticism: Faced pushback from traditional real estate players resistant to technology
- Representation Burden: As one of few Black founders in the space, faces additional scrutiny and pressure
Key Quote from Expert
Michael Fascitelli, former CEO of Vornado Realty Trust and chair of Cadre’s investment committee, has praised Williams’ ability to learn from experienced advisors: “I’ve bypassed a lot of mistakes I would have otherwise made because of the people around me. They’ve really propelled me,” Williams has said about his mentors.
10. Achievements & Awards
Business & Tech Awards
- Forbes “30 Under 30” (2018) – Finance category, recognizing him as a young leader transforming the financial services industry
- Fortune “40 Under 40” (2019) – Honored as one of the most influential young business leaders
- Crain’s “40 Under 40” (2017) – Recognized as a top young business leader in New York
- Commercial Observer “30 Under 30” – Acknowledged as a rising star in commercial real estate
- Goldman Sachs “Most Intriguing Entrepreneurs” – Selected for innovative approach to real estate investing
- Ellis Island Honors Society Beacon Award (2024) – For entrepreneurial impact, leadership in innovation, commitment to diversity and inclusion, and community contributions
Global Recognition
- Forbes Magazine Cover (February 2019) – Featured in the “FinTech 50” issue, one of the highest honors in financial technology
- Forbes FinTech 50 (2016-2023) – Seven consecutive years on this prestigious list
- Business Insider “Top 100 Global Leaders Changing Business” (2022) – Recognized for global business impact
- Harvard University Investor – His alma mater invested in both Cadre and his diversity-focused funds, a significant endorsement
Records & Milestones
- Largest Digital Real Estate Transaction – One of Cadre’s 2021 sales set a record for properties bought, sold, and managed entirely through a digital platform
- First Secondary Marketplace – Created the real estate industry’s first digital secondary trading marketplace
- Youngest Founder of Billion-Dollar PropTech – Built Cadre to near-unicorn status by age 31
- One of Largest Fintech Exits – The 2024 Cadre-Yieldstreet merger represented one of the most significant fintech transactions since the early 2010s
- Louisiana Visionary of the Year – Recognized by his home state for inspiring the next generation of entrepreneurs
11. Net Worth & Earnings
💰 FINANCIAL OVERVIEW
| Year | Estimated Net Worth |
|---|---|
| 2018 | ~$50-75 million |
| 2019 | ~$100-160 million |
| 2024 | ~$150-180 million |
| 2025 | ~$160-200 million |
| 2026 | ~$170-210 million (projected) |
Note: Based on an early estimate of $160 million from 2018-2019 sources, adjusted for the 2024 Cadre-Yieldstreet merger and continued equity holdings.
Income Sources
1. Company Equity
- Cadre ownership stake (likely 10-25% at various dilution stages)
- Equity in merged Cadre-Yieldstreet entity
- Stealth startup equity (2025-present)
2. Salary & Bonuses
- CEO compensation from Cadre (historically)
- Executive compensation from merged entity
- Board member fees from various companies
3. Investments & Holdings
- Real estate portfolio (personal investments)
- Equity stakes in other fintech and tech startups
- Minority depository institution holdings
4. Speaking Engagements & Advisory
- Conference appearances and keynote speeches
- Advisory board positions
- Consulting for financial institutions
Major Investments & Focus Areas
Real Estate
- Personal residential property in Brooklyn, New York
- Commercial real estate holdings through Cadre investments
- Direct property investments
Fintech Startups
- Portfolio of early-stage fintech companies
- Focus on companies democratizing access to financial services
- Investments in diversity-focused funds
Minority-Owned Financial Institutions
- Citizens Trust Bank (Atlanta) – credited as crucial to his early success
- At least 10% of liquid holdings committed to minority depository institutions
- Support for Black-owned banks and lenders
Social Impact Investments
- Cadre Direct Access Fund I & II (supporting minority operators)
- Education and financial literacy initiatives
- Economic opportunity programs for underserved communities
12. Lifestyle Section
🏠 ASSETS & LIFESTYLE
Primary Residence
- Location: Brooklyn, New York
- Type: Residence in one of Brooklyn’s upscale neighborhoods
- Estimated Value: Not publicly disclosed (likely $2-5 million range based on Brooklyn real estate)
- Style: Private, family-focused environment
Properties
- Details of additional properties not publicly disclosed
- Williams maintains significant privacy regarding personal real estate holdings
🚗 Cars Collection
Information about Williams’ car collection is not publicly available. Given his focus on family, faith, and business rather than ostentatious displays of wealth, he likely maintains a modest vehicle collection appropriate for urban Brooklyn living.
Hobbies & Interests
Sports
- Avid LSU Tigers football fan (Louisiana State University)
- Played sports growing up in Louisiana
- Watches and attends games when possible
Reading & Learning
- Continuous learner focused on business, economics, and social justice topics
- Studies successful entrepreneurs and leadership strategies
- Reads extensively about financial markets and technology trends
Faith & Family
- Strong Christian faith that guides his values and decision-making
- Regular church attendance
- Family activities with wife and two children
Philanthropy & Community Service
- Active in mentorship programs for young entrepreneurs
- Speaks at conferences promoting diversity in tech and finance
- Supports educational initiatives in Louisiana and other underserved communities
Daily Routine (During Cadre Peak Operations)
Morning (6:00 AM – 9:00 AM)
- Early riser, often starting the day before 6 AM
- Family time and breakfast with wife and children
- Exercise or physical activity
- Review of overnight market news and Cadre performance metrics
Work Day (9:00 AM – 7:00 PM)
- Historically had up to 19 meetings per day during Cadre’s growth phase
- Five-minute lunch breaks (famously minimal meal time)
- Mix of investor meetings, team strategy sessions, and media interviews
- Hands-on involvement in deal evaluation and company strategy
Evening (7:00 PM – 10:00 PM)
- Family dinner and time with children
- Additional work, often reviewing deals or strategic plans
- Networking dinners or industry events several times per week
- Reading and personal development
Productivity Habits
- Extremely disciplined time management
- Focus on high-impact activities
- Delegates operational details to trusted team members
- Maintains work-life integration focused on family and faith
13. Physical Appearance
| Attribute | Details |
|---|---|
| Height | Approximately 5’10” – 6’0″ (estimated from photos) |
| Weight | Approximately 170-185 lbs |
| Eye Color | Dark Brown |
| Hair Color | Black |
| Body Type | Athletic/Fit |
| Style | Professional business attire; typically suits for business meetings, smart casual for industry events |
| Distinguishing Features | Professional appearance; confident demeanor |
Williams maintains a professional, polished appearance appropriate for his role as a tech CEO and face of a major fintech company. He typically appears in business formal attire for meetings and media appearances, projecting confidence and competence.
14. Mentors & Influences
Early Mentors
Network for Teaching Entrepreneurship (NFTE) Williams credits NFTE with providing crucial early mentorship during his teenage years, helping him develop foundational business skills and confidence.
Citizens Trust Bank Leadership The chairman of Citizens Trust Bank, who personally called Williams after 10 other banks rejected his loan applications, became a pivotal mentor demonstrating the importance of believing in young entrepreneurs from non-traditional backgrounds.
Business & Industry Mentors
Michael Fascitelli Former CEO of Vornado Realty Trust, Fascitelli joined Cadre as an investor and advisor, ultimately chairing the company’s investment committee. Williams has credited him with helping avoid critical mistakes and accelerating his learning curve in commercial real estate.
Goldman Sachs & Blackstone Executives During his time at these firms, Williams learned from some of the world’s top financial minds, absorbing lessons about deal structuring, risk management, and institutional investing.
Inspirational Figures
Robert F. Smith Billionaire investor and Vista Equity Partners founder, Smith has been a collaborator with Williams on diversity initiatives in tech and finance. In 2020, they co-hosted a Forbes hackathon discussing their commitment to building transformational businesses that expand economic opportunity.
Historical Figures Williams draws inspiration from his family history, particularly his great-great-grandmother Addie Lynch, who was born on a plantation. This connection to his roots motivates his mission to create generational wealth opportunities.
Key Leadership Lessons Learned
- Resilience Through Rejection: Learning to persist after being rejected by 10 banks before finding support
- Importance of Mentorship: “I’ve bypassed a lot of mistakes I would have otherwise made because of the people around me”
- Do Well and Do Good: Success and social impact can reinforce each other
- Never Be Outworked: Work ethic as a competitive advantage
- Bet on Innovation: Technology can disrupt even the most traditional industries
- Build Diverse Teams: Different perspectives lead to better decisions and outcomes
15. Company Ownership & Roles
| Company | Role | Years | Status |
|---|---|---|---|
| Sports Apparel Company | Founder | 2001-2006 | Sold |
| Harvard Real Estate Fund | Founder | 2009-2010 | Completed |
| Cadre | Co-Founder & CEO | 2014-2024 | Merged with Yieldstreet |
| Cadre (Post-Merger) | CEO (Cadre division) & Global Head of Institutional Partnerships | 2024-Present | Active |
| Stealth Startup (2025) |
In April 2025, Williams announced he was launching a new company “at the intersection of fintech and financial services” that aims to “reimagine how underserved communities can expand economic opportunity.” Details remain under wraps, but Williams has indicated this venture will focus on financial inclusion and leveraging technology to close wealth gaps.
Times Square Casino Partnership
In December 2025, Williams partnered with music mogul Jay-Z on a groundbreaking casino proposal for Times Square. The project aims to implement an inclusive ownership model, allowing community members and small investors to participate in ownership—a revolutionary approach to casino development that aligns with Williams’ mission of democratizing investment opportunities.
16. Controversies & Challenges
Political Associations
Jared Kushner Connection
One of Cadre’s original co-founders was Jared Kushner, who later became Senior Advisor to President Donald Trump. This association created challenges for Williams, particularly when Kushner’s political role generated controversy. Williams navigated this carefully, emphasizing that Kushner was primarily a passive investor and that Cadre’s mission remained focused on democratizing real estate investment regardless of political affiliations.
Management Response
Williams addressed concerns transparently, focusing public messaging on Cadre’s mission, values, and track record of performance. He emphasized the company’s commitment to diversity, inclusion, and expanding economic opportunity—values that transcended any individual investor’s political activities.
Industry Skepticism
Traditional Real Estate Resistance
Many traditional commercial real estate players were initially skeptical of Cadre’s technology-driven approach, viewing it as unproven and potentially risky. Some questioned whether a digital platform could adequately evaluate complex real estate deals that historically required deep local market knowledge and personal relationships.
Overcoming Doubt
Williams addressed skepticism by:
- Assembling an advisory board of respected industry veterans like Michael Fascitelli
- Maintaining rigorous underwriting standards (accepting only 2% of submitted properties)
- Delivering strong returns that exceeded 18% annualized
- Building a track record of $6 billion in successful transactions
Funding Challenges
Early Bank Rejections
Williams was rejected by 10 banks before Citizens Trust Bank believed in him. This experience highlighted systemic barriers that entrepreneurs from non-traditional backgrounds face in accessing capital, even with strong business plans and track records.
Lesson Learned
This challenge became central to Williams’ mission. He has since committed to supporting minority-owned financial institutions and advocating for reforms in how banks evaluate entrepreneurs from diverse backgrounds. He regularly shares this story to inspire others facing similar obstacles.
Market Downturns
Real Estate Market Volatility
Like all real estate platforms, Cadre faced challenges during periods of market uncertainty, particularly during COVID-19 pandemic-related disruptions. Real estate valuations fluctuated, and some investors worried about liquidity.
Strategic Response
Cadre’s secondary marketplace proved valuable during this period, providing liquidity options when traditional real estate investments would have been completely illiquid. The company also maintained conservative underwriting standards that helped protect investor capital.
Representation Burden
Additional Scrutiny
As one of the few African American founders in real estate technology, Williams faced additional scrutiny and pressure to represent his entire community. Every misstep was amplified, and he carried the burden of proving that founders from non-traditional backgrounds could succeed.
Handling the Pressure
Williams has spoken openly about this challenge, using his platform to advocate for systemic changes while refusing to let the pressure compromise his vision or values. He emphasizes that diversity in entrepreneurship shouldn’t be remarkable—it should be normal.
17. Charity & Philanthropy
Financial Inclusion Initiatives
Minority Depository Institutions Support
Williams committed to keeping at least 10% of Cadre’s cash holdings in minority-owned depository institutions (MDIs). This wasn’t just symbolic—it represented millions of dollars in capital that helps these institutions serve their communities more effectively.
Bank Partnership Example
After Citizens Trust Bank supported him when 10 others didn’t, Williams has maintained a close relationship with the institution, directing business their way and publicly advocating for supporting Black-owned banks.
Education & Financial Literacy
Financial Literacy Advocacy
Williams is a vocal advocate for comprehensive financial literacy education in schools. He believes that teaching young people about investing, wealth building, and economic fundamentals is essential to closing racial wealth gaps.
Mentorship Programs
Williams actively mentors young entrepreneurs, particularly those from underserved communities. He speaks at conferences, universities, and community organizations, sharing his journey and encouraging others to pursue entrepreneurship.
Harvard Veritas Financial Group Legacy
The financial literacy organization Williams founded at Harvard continues to operate, educating thousands of students about personal finance, investing, and wealth management.
Direct Access Funds
Cadre Direct Access Fund I ($400M)
Launched in 2021, this fund specifically targeted investments with minority operators and in underserved communities. Harvard University, Ford Foundation, MacArthur Foundation, and JPB Foundation invested, validating the approach of combining strong returns with social impact.
Direct Access Fund II
Williams followed with a second fund continuing the strategy of partnering with diverse operators on value-add real estate investments. These funds demonstrate that supporting minority-owned businesses can generate competitive financial returns.
Community Investment
Underserved Communities Focus
Williams has directed investments toward communities that historically have been underserved by institutional capital, helping create jobs, affordable housing, and economic development in areas that need it most.
Louisiana Connection
Williams maintains strong ties to his home state, speaking at Louisiana universities and supporting economic development initiatives. He’s been recognized as “Louisiana Visionary of the Year” for inspiring the next generation of entrepreneurs from the state.
Policy Advocacy
Systemic Change
Beyond direct philanthropy, Williams advocates for policy changes that would expand economic opportunity:
- Reforming lending practices that disadvantage minority entrepreneurs
- Increasing access to capital for diverse founders
- Expanding financial literacy education requirements
- Supporting minority-owned financial institutions
Causes Supported
- Economic Equity: Primary focus on closing racial wealth gaps
- Education: Financial literacy and entrepreneurship education
- Minority Business Support: Capital access and mentorship for diverse founders
- Community Development: Investment in underserved communities
- Faith-Based Initiatives: Supporting church and religious community programs
18. Personal Interests
| Category | Favorites |
|---|---|
| Food | Likely Louisiana cuisine (Cajun/Creole), family meals |
| Movie | Not publicly disclosed |
| Book | Business and economic development focused; specific titles not disclosed |
| Travel Destination | Atlanta (business ties), Louisiana (family roots) |
| Technology | Real estate tech, fintech platforms, data analytics tools |
| Sport | LSU Tigers Football (avid fan), general sports enthusiast |
| Music | Not extensively disclosed; partnered with Jay-Z on casino project |
| Inspiration | Family history, particularly great-great-grandmother Addie Lynch |
| Values | Faith, family, economic opportunity, hard work |
Additional Personal Interests
Sports Fandom Williams is a passionate LSU Tigers football fan, maintaining strong connections to Louisiana State University athletics despite living in New York.
Faith & Church Christian faith plays a central role in Williams’ life. He regularly attends church with his family and has stated that his faith guides his business decisions and values.
Mentorship Williams genuinely enjoys mentoring young entrepreneurs, particularly those from backgrounds similar to his own. He finds personal fulfillment in helping others navigate challenges he faced.
Real Estate Beyond his professional work, Williams has a genuine fascination with real estate as an asset class, neighborhood development, and how built environments impact communities.
Innovation & Technology Williams stays current on emerging technologies, particularly those with potential to democratize access to services or disrupt established industries.
Louisiana Culture Despite living in Brooklyn, Williams maintains strong connections to Louisiana culture, food, music, and community.
19. Social Media Presence
| Platform | Handle/Link | Followers (Est. 2026) | Activity Level |
|---|---|---|---|
| Twitter/X | @RyanAWms | ~15,000-25,000 | Active; business focused |
| linkedin.com/in/ryanawilliams1 | 500+ connections | Active; professional updates | |
| Limited/Private | N/A | Minimal public presence | |
| Crunchbase | Person Profile | N/A | Business profile |
| YouTube | N/A | N/A | Occasional conference appearances |
| Private/Limited | N/A | Minimal public presence |
Company & Platform Links
| Platform | Link | Description |
|---|---|---|
| Cadre (via Yieldstreet) | yieldstreet.com | Real estate investment platform (acquired 2024) |
| Cadre Twitter/X | @CadreRE | Official Cadre company account |
| Yieldstreet | yieldstreet.com | Parent company alternative investment platform |
| Masters of Scale Podcast | Interview | 2025 podcast appearance |
Social Media Strategy
Professional Focus
Williams maintains a relatively modest social media presence compared to many tech CEOs. His activity is primarily professional, focusing on:
- Company announcements and milestones
- Thought leadership on real estate and fintech
- Advocacy for diversity and economic equity
- Industry insights and market analysis
Privacy-Conscious
Williams protects his family’s privacy, rarely sharing personal photos or details about his wife and children. This approach reflects his values around family protection and maintaining boundaries between public and private life.
Selective Engagement
Rather than constant posting, Williams uses social media strategically for major announcements, thought leadership pieces, and advocacy around issues he cares about. Quality over quantity defines his approach.
LinkedIn Primary Platform
LinkedIn appears to be Williams’ most active professional platform, where he shares company updates, industry insights, and connects with other business leaders and investors.
20. Recent News & Updates (2025–2026)
2025
April 2025: New Stealth Startup Announced
Williams revealed he was launching a new company “at the intersection of fintech and financial services” focused on expanding economic opportunity for underserved communities. While details remain confidential, the venture reportedly attracted early interest from investors familiar with his Cadre success.
December 2025: Jay-Z Casino Partnership
Williams partnered with music and business icon Jay-Z on a Times Square casino proposal featuring an innovative inclusive ownership model. The partnership aims to allow community members and smaller investors to participate in ownership—revolutionizing how casinos are typically funded and owned.
Summer 2025: Ellis Island Honors Society Beacon Award
Received this prestigious recognition for entrepreneurial impact, leadership in innovation, commitment to diversity and inclusion, and community contributions.
2026
January 2026: Continued Cadre Leadership
Williams remains actively involved with Cadre as CEO of the Cadre division within the merged Cadre-Yieldstreet entity, while also serving as Global Head of Institutional Partnerships and Clients.
Speaking Circuit
Williams has increased his speaking engagements at major conferences, universities, and industry events, sharing insights on fintech innovation, diversity in tech, and democratizing wealth-building opportunities.
Media Presence
Continued media coverage in Forbes, Business Insider, Bloomberg, and other major outlets covering his new ventures and ongoing advocacy work.
Future Plans (2026 and Beyond)
Stealth Startup Launch
Expected public launch of new fintech venture, likely focusing on financial inclusion and leveraging technology to expand economic access.
Casino Development
Progress on the Times Square casino project with Jay-Z, potentially setting a new standard for community-inclusive ownership models in gaming and hospitality.
Continued Advocacy
Williams plans to expand his advocacy work around financial literacy education, support for minority-owned financial institutions, and policy reforms that promote economic equity.
Potential IPO
The merged Cadre-Yieldstreet entity may pursue a public offering, which would represent another significant milestone in Williams’ career.
Next Generation Leadership
Williams has expressed interest in supporting and mentoring the next generation of diverse founders, potentially through formal accelerator or venture fund initiatives.
21. Lesser-Known Facts
- Started at Age 13: Williams launched his first business selling customized sports apparel in middle school, demonstrating entrepreneurial instincts from an exceptionally young age.
- Rejected by 10 Banks: Before finding success, Williams faced rejection from 10 different banks when seeking early funding for his real estate ventures, highlighting the barriers that entrepreneurs from non-traditional backgrounds face.
- Harvard’s Largest Financial Literacy Org: While at Harvard, Williams founded the Veritas Financial Group, which became the university’s largest undergraduate financial literacy organization, foreshadowing his later mission to democratize financial knowledge.
- Worked Through Harvard: Unlike many wealthy classmates, Williams worked multiple jobs to help pay for his Harvard education, giving him a unique perspective on economic inequality.
- Senior Year Real Estate Portfolio: By Harvard graduation, Williams had already acquired and renovated more than 20 single-family homes and over 1,500 multifamily units—an extraordinary accomplishment for a college student.
- Helped Foreclosed Homeowners: When buying foreclosed properties, Williams often worked with previous owners to help them stay in their homes and eventually buy them back—prioritizing social impact alongside profit.
- 19 Meetings a Day: During Cadre’s peak growth phase, Williams regularly scheduled 19 meetings per day, taking just five-minute lunch breaks to maximize productivity.
- Great-Great-Grandmother’s Legacy: Williams’ great-great-grandmother, Addie Lynch, was born on a plantation in the late 1800s. This family history deeply motivates his mission to create generational wealth opportunities.
- George Soros Quietly Backed: Billionaire investor George Soros provided a $250 million credit line to Cadre—a vote of confidence from one of the world’s most successful investors.
- First Trip to Atlanta Changed Everything: A junior-year trip to Atlanta during the 2008 financial crisis, where Williams saw rows of foreclosed homes, sparked the idea that would eventually become his career focus.
- Record Digital Real Estate Sale: One of Cadre’s 2021 transactions was described as the largest-ever digital real estate transaction, where a property was bought, sold, and managed entirely through a digital platform.
- Secondary Marketplace Innovation: Cadre created the real estate industry’s first digital secondary marketplace, allowing investors to trade stakes in properties—providing unprecedented liquidity in a traditionally illiquid market.
- Forbes Cover at 31: Williams appeared on the cover of Forbes Magazine in February 2019 at approximately age 31, a rare honor for someone so young.
- Seven Consecutive Years on Forbes FinTech 50: Cadre appeared on the prestigious Forbes FinTech 50 list every year from 2016 through 2023, demonstrating sustained innovation and impact.
- Louisiana Visionary: Despite building his success in New York, Williams has been recognized as “Louisiana Visionary of the Year” and maintains strong connections to his home state.
- Harvard University Invested: Williams’ alma mater invested in both Cadre and his diversity-focused Direct Access Funds—a significant validation from one of the world’s most sophisticated institutional investors.
- 10% in Minority Banks: Williams personally committed to keeping at least 10% of Cadre’s liquid holdings in minority depository institutions, directing millions of dollars to support these crucial community institutions.
- Private Family Life: Despite significant public success, Williams maintains remarkable privacy about his wife and two children, rarely sharing personal family details or photos.
- Citizens Trust Bank Champion: The Black-owned Citizens Trust Bank in Atlanta, which supported Williams when others wouldn’t, remains a partner he publicly champions and directs business toward.
- “Never Let Anyone Outwork Me”: Williams has stated that his guiding principle since childhood has been to never let anyone outwork him—a mindset that has driven his success from selling wristbands at 13 to building billion-dollar companies.
22. FAQs
Who is Ryan A. Williams?
Ryan A. Williams is an American tech entrepreneur and founder of Cadre, a real estate investment platform that merged with Yieldstreet in 2024 to create a combined entity managing nearly $10 billion in assets. Born in Baton Rouge, Louisiana, Williams rose from humble beginnings to become one of the most influential African American leaders in fintech, known for democratizing commercial real estate investing and advocating for economic equity.
What is Ryan Williams’ net worth in 2026?
Ryan Williams’ net worth is estimated at $170-210 million in 2026. His wealth primarily comes from his equity stake in Cadre (which merged with Yieldstreet in 2024), his new stealth startup launched in 2025, and various real estate and fintech investments. His net worth has grown substantially from approximately $160 million in 2018-2019 following Cadre’s success and subsequent merger.
How did Ryan Williams start his first company?
Ryan Williams started his first company at age 13 in Baton Rouge, Louisiana, selling customized sports apparel. He identified that branded athletic accessories like wristbands and headbands were expensive, so he sourced them wholesale for as little as 50 cents each, had them customized and embroidered, and sold them to fellow students as affordable alternatives to expensive brand-name products.
Is Ryan Williams married?
Yes, Ryan Williams is married with two children. However, he maintains significant privacy regarding his family life and has not publicly disclosed his wife’s name or details about his children. He resides with his family in Brooklyn, New York, and has described his family as “my greatest investment.”
What companies does Ryan Williams own?
Ryan Williams is the founder and former CEO of Cadre, which merged with Yieldstreet in 2024. He currently serves as CEO of the Cadre division and Global Head of Institutional Partnerships for the merged entity. In 2025, he announced a new stealth startup “at the intersection of fintech and financial services” and partnered with Jay-Z on a Times Square casino project featuring inclusive ownership. He also maintains various investments in real estate and fintech startups.
Where did Ryan Williams go to college?
Ryan Williams attended Harvard University, where he graduated in 2010 with a Bachelor of Arts (A.B.) degree. While at Harvard, he founded the Veritas Financial Group, which became the university’s largest undergraduate financial literacy organization, and launched an institutional real estate fund that acquired over 20 single-family homes and 1,500+ multifamily units by graduation.
What is Cadre and how does it work?
Cadre is a technology-driven real estate investment platform that democratizes access to commercial real estate investing. Founded by Ryan Williams in 2014, Cadre allows individuals and institutions to invest in vetted commercial real estate opportunities with lower minimums than traditional investments (starting at $50,000 vs. millions). The platform uses data analytics and machine learning to evaluate properties, accepting only 2% of submissions, and offers a secondary marketplace for liquidity.
How much did Cadre sell for?
While the specific financial terms of Cadre’s 2024 merger with Yieldstreet were not publicly disclosed, the combined entity manages nearly $10 billion in assets and serves over 500,000 members. The transaction represented one of the largest fintech mergers since the early 2010s. By the time of the merger, Cadre had facilitated over $6 billion in real estate transactions and returned approximately $500 million to investors.
What awards has Ryan Williams won?
Ryan Williams has received numerous prestigious awards including: Forbes “30 Under 30” (2018), Fortune “40 Under 40” (2019), Forbes Magazine cover feature (2019), seven consecutive years on Forbes FinTech 50 (2016-2023), Crain’s “40 Under 40” (2017), Business Insider “Top 100 Global Leaders Changing Business” (2022), Goldman Sachs “Most Intriguing Entrepreneurs,” and Ellis Island Honors Society Beacon Award (2024).
What is Ryan Williams doing now in 2026?
In 2026, Ryan Williams continues leading the Cadre division within the merged Cadre-Yieldstreet entity while also serving as Global Head of Institutional Partnerships. He is actively building a new stealth fintech startup announced in 2025 that focuses on expanding economic opportunity for underserved communities. He’s also partnering with Jay-Z on an inclusive ownership casino project in Times Square and increasing his speaking and advocacy work on financial literacy and economic equity.
23. Conclusion
Ryan A. Williams’ journey from selling sports apparel in Baton Rouge at age 13 to building and exiting a billion-dollar fintech company represents one of the most inspiring entrepreneurial stories of the 21st century. His success is particularly remarkable given the barriers he overcame—being rejected by 10 banks, breaking into the traditionally exclusive commercial real estate industry, and succeeding as one of the few African American founders in real estate technology.
Career Legacy
Williams’ career impact extends far beyond financial success. He fundamentally disrupted how people invest in commercial real estate, creating the industry’s first digital secondary marketplace and making institutional-quality investments accessible to individuals who previously had no entry point. Cadre facilitated over $6 billion in transactions, returned $500 million to investors with an 18% annualized return rate, and merged with Yieldstreet to create a nearly $10 billion entity serving over 500,000 members.
Industry Transformation
Williams proved that technology could democratize even the most traditional, relationship-driven industries. His data-driven approach to real estate investing, combined with a commitment to transparency and accessibility, set new standards for the proptech and fintech sectors. The seven consecutive years Cadre appeared on the Forbes FinTech 50 list demonstrates sustained innovation and impact.
Social Impact and Values
Perhaps Williams’ most important legacy is his unwavering commitment to expanding economic opportunity for underserved communities. From partnering with minority operators through his Direct Access Funds to supporting minority-owned financial institutions to advocating for financial literacy education, Williams has consistently demonstrated that business success and social impact can reinforce each other. His “do well and do good” philosophy has inspired a generation of entrepreneurs to pursue profit with purpose.
Leadership Model
Williams exemplifies a modern leadership model that balances analytical rigor with empathy, ambition with humility, and innovation with values. His openness about being rejected by 10 banks, his willingness to work 19-meeting days, and his commitment to mentoring the next generation show a leader who understands that success comes through persistence, hard work, and lifting others.
Future Outlook
At 37-38 years old in 2026, Williams is just entering his prime years as an entrepreneur and leader. His new stealth startup and partnership with Jay-Z on the Times Square casino project suggest he’s far from finished innovating. As he builds his next ventures, Williams carries forward the lessons of Cadre: use technology to level playing fields, prioritize both returns and social impact, and never forget where you came from.
Williams’ story resonates because it’s both exceptional and accessible—a reminder that with vision, persistence, and the right support, anyone can overcome obstacles and create transformational impact. From Baton Rouge to Brooklyn, from teenage entrepreneur to Forbes Magazine cover, Ryan A. Williams has built not just companies but a legacy of expanded opportunity that will influence entrepreneurs, investors, and communities for generations to come.
Join the Conversation
What aspect of Ryan Williams’ journey inspires you most? Have you invested in alternative assets like real estate through fintech platforms? Share your thoughts in the comments below, and explore more stories of entrepreneurs who are using technology to democratize access to wealth-building opportunities.
