Clark Troy, PhD, CFP® has worked in the financial services world since 2000, and is currently a Financial Advisor at Red Reef Advisors, a Registered Investment Advisor with offices in Boca Raton, FL and Durham, NC. He worked for years as a management consultant in the financial services industry, first in hands-on roles helping firms including investment banks, hedge funds, and life insurers and reinsurers redesign processes and implement change, then as an industry analyst who advised life insurers and the technology and service vendors who support them. Clark holds a Ph.D. in Russian Literature from Columbia University and a B.A. in Russian Studies from Yale University. He is fluent in Russian and has varying degrees of competency in Spanish, French, German, Serbo-Croatian, and Slovene.