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Kay O. is a seasoned investment management professional with extensive experience across multiple financial institutions. Currently, Kay serves as a Partner at Saltus Investment Managers since July 2015, focusing on preserving and growing client wealth through risk-based, multi-asset class investing. Prior experience includes roles as an Investment Manager at CPN Investment Management, where responsibilities included macroeconomic research and asset allocation, and as Head of Corporate Development at Money on Toast, aimed at enhancing adviser efficiency through online solutions. Kay's earlier career includes significant positions in structured credit at prominent banks such as JPMorgan Chase & Co., ABN AMRO, and Commerzbank AG. Kay holds a Diploma in Financial Planning from the Chartered Insurance Institute and is associated with the Personal Finance Society.