Ralph is a former partner at a $30 billion AUM global investment firm where he headed Financials industry coverage including banks, insurers, real estate concerns and asset managers.  He and his team routinely met with C-suite personnel at companies to determine their investment merits, and periodically with fintechs, insurtechs and IT professionals at large banks and insurers.  He also helped construct global equity portfolios as a co-PM on various strategies.  He retired at the end of 2018 to focus on personal investing and to become more involved in private company investments.  He is an advisor on one insurtech and at Nex3, a New York based fintech accelerator, and an investor in multiple seed stage start ups.  He is also a member of Tech Coast Angels’ San Diego chapter, both participating in and leading due diligence for potential investments.

In previous roles he worked as a CPA at one of the large accounting firms, for a quantitative investment manager focusing on derivative overlay and other quantitative strategies, obtained his Chartered Financial Analyst (CFA) designation and earned his MBA from Columbia Business School with honors in 1999.