Thanks a lot in advance guys for the review:

Education/Background:

Came from Pakistan for education in the US for undergrad, went to school at a small state school in north west Oklahoma where I became president of the student body after my first year. Transferred to Rutgers Business School after 2 years where I was president of my class along with other organizations. Worked over 40 hours a week to pay for school

GPA: 3.3-3.4

GMAT: Target 700-720

Work Experience:

(1 year so far) Work in the pricing strategy group on the legacy Merrill Lynch side in the combined Bank of America Merrill Lynch. Got a chance to lead the integration of one group. Got elected as a site leader for the west asian middle eastern north african professional network where I organize cultural events.

Have done investment banking internship at bear stearns and started a small consulting company for valuation work for a few months with a friend in school where I presented some valuation work we did to a board of directors of a company

EC:

Sit on a board of a charity focusing on disabled children in the developing world where I organized 2 events. Also starting up a fellowship program wth friends for low income college students in NY

Reach Schools:
Columbia, Harvard, Kellogg
Core List:
Yale, Michigan, UVA, Dartmouth (Duke or Cornell if I can finish applications in time)
Safety:
U of North Carolina

Goal:
Start a growth private equity or ate stage VC firm focused on developing green energy and exporting the technology to the developing world

Few Questions:

Is my GPA too low for Harvard, Kellogg and Columbia?

When would be a good time to apply to b-school, rumor has it schools are pushing younger students

Anything I should be focusing on right now that could be seen as potential weakness in my application?

Thanks again
Saad