C. Thomas Howard, PhD is the CEO and Chief Investment Officer of AthenaInvest.  Dr. Howard oversees Athena’s ongoing research which has led to a number of patents, industry publications and conference presentations. He is a Professor Emeritus at the Reiman School of Finance, Daniels College of Business, University of Denver where he taught courses and published articles for over 30 years in the areas of investment management and international finance. Professor Howard’s thought leadership in Behavioral Portfolio Management has generated significant interest across the country with record downloads of his "Behavioral Portfolio Management" white paper. Articles by Dr. Howard have been among the most widely read on sites such as AdvisorPerspectives.com, CFAInstitute.org and FAmag.com.  He is regularly invited to speak on applying behavioral finance at financial advisor and investment manager conferences throughout the US and Canada. Dr. Howard holds a BS in mechanical engineering from the University of Idaho, an MS in management science from Oregon State University, and a PhD in finance from the University of Washington.