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Juhani Toivonen is an experienced financial professional currently serving as a Portfolio Manager at United Bankers since October 2007, specializing in asset allocation and portfolio management, as well as equity fund management. Prior to this role, Juhani held the position of Asset Manager at OP-Pohjola Group from April 2005 to October 2007. Juhani's academic background includes a CEFA in Finance from Hanken School of Economics (2006-2007), a Master of Laws (LL.M.) in Banking, Corporate, Finance, and Securities Law from University of Turku (1999-2004), and a Master's degree in Economics from Turku School of Economics at the University of Turku (1996-2003).