C. Thomas Howard, PhD

Dr. Howard is a Professor at the Reiman School of Finance, Daniels College of Business, University of Denver. Since joining the faculty in 1978, he has taught courses and published articles in the areas of investment management and international finance. For many years he presented stock analysis seminars throughout the US for the American Association of Individual Investors, a national investment education organization headquartered in Chicago. Dr. Howard has been a guest lecturer at SDA Bocconi, Italy's leading business school and at Handelsho/jskole Syd in Denmark and was a 2004 Summer lecturer in international finance at EM Lyon in France.

He has consulted with a number of firms, most recently First Data Corp and Janus Capital Group, and is currently on the Board of Directors for AMG National Trust Bank N.A., a financial counseling and investment management firm headquartered in Denver.

In 2005, he along with Craig Callahan founded AthenaInvest, a Denver based asset manager that has developed Strategy Based Investing. Dr. Howard currently serves as CEO and Director of Research.

After receiving his BS in Mechanical Engineering at the University of Idaho, Howard worked three years for Proctor Gamble as a production and warehouse manager. He then entered Oregon State University where he received an MS in Management Science after which he received a Ph.D. in Finance from the University of Washington in 1978.