Michael Robbins, CFA, is the chief investment officer & chairman of the investment committee at Spruce Investment Advisors. Spruce invests in traditional assets including equities, currencies, commodities, and fixed income, as well as external managers, and private assets including real estate, natural resources, private equity, and growth capital. The firm’s services include asset allocation, portfolio construction, manager search and selection, and portfolio hedging. Michael has been in the investment management industry for over 25 years, holding portfolio management, trading, and risk roles at highly respected firms including portfolio manager at Washington Mutual and chief investment risk officer at Utah Retirement Systems. He began his career in a nuclear engineering and physics, specialising in the medical and military applications of electromagnetic radiation.