Matt Carvalho is the Chief Investment Officer at Cardinal Point where he oversees the firm’s investment management process, philosophy, people and strategies for our U.S. and Canadian based clients. Matt has worked in the financial services industry for over 15 years serving both individual and institutional investors. Prior to joining Cardinal Point, Matt was Vice President, Portfolio Strategy for a California-based turnkey asset management provider (TAMP) firm with over $17 billion under management. While there, he was a member of a six person investment committee that included Nobel Prize (Economics) winner Dr. Harry Markowitz and Dr. Meir Statman, expert on behavioral finance. Previous roles included management of institutional size fixed income trades and monitoring for a bank as well as active trader and retirement planning support for a brokerage firm. Socially Responsible and Sustainability investing mandates are additional areas of experience. Matt has actively participated in conference speaking engagements and writing with an educational focus for investors. He received his Bachelor of Science from University of the Pacific in 2003, obtained his Chartered Financial Analyst (CFA) designation in 2007, and his Certified Financial Planner (CFP®) designation in 2012.