Chad is the in-house income and investment research expert at Banyan Hill Publishing. He has earned the distinction of being a Chartered Market Technician (CMT), a professional achievement fewer than 5,000 people around the world have earned. The CMT test requires an understanding of reading financial stock price charts — but it is far more involved than that. It also tests a person’s knowledge of statistical analysis, behavioral finance, risk management and technical investment strategies. In other words, those with CMT designation demonstrate the knowledge to understand and build statistical models that make up a valid trading strategy.