Michael Carpenter is a true investment industry veteran, with over 35 years of professional experience. He has led industry programs at both Harvard and Columbia University. Carpenter has also worked as a successful financial advisor, then regional and national level executive with PaineWebber and subsequently led  national distribution efforts—including sales, sales support, and key accounts teams; product development, marketing, and national advisor and investor  educational programs—for John Hancock Funds, as well as Transamerica/ IDEX, MFS, and Rydex Global Advisors before setting up his own Boston-based sales and marketing consulting firm in 2003.