HBS, Stanford and Wharton are likely long shots. The only thing going that is above average compared to the folks who apply to these three schools is your GMAT score - and having an above average GMAT compared to your fellow H/S/W applicants isn't enough to make you competitive (especially when you *need* that high GMAT to balance out your low GPA - and no, doing the CFA won't really help). If you really want to apply, choose one of these three as your lottery ticket. Sounds like you've had a promising career to start -- you seem to have a talent for sales. But again keep in mind that you're competing against some highly accomplished applicants as well.
Columbia, Kellogg - stretch; maybe even competitive. Apply Early Decision for Columbia. With strong essays and a bit of luck, you have a chance.
The rest of the schools, you should be competitive for assuming you can really do a great sell job on your essays (goals, accomplishments, etc). With these schools, it's really a matter of choosing 2-3 that you really want to go to, and then ditching the rest.
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