Todd Richter unassumingly began his financial career -- a career that would grow and prosper, turning Richter into one of Wall Street’s leading financial healthcare analysts. He graduated in 1979 from the College of William and Mary with his undergraduate financial education. He continued his studies at Indiana University, within its prestigious Kelley School of Business, from which he graduated in 1981 with a Masters in Business Administration. Over the next few decades, Richter would thrive in the financial industry. For 18 years, he worked with Morgan Stanley. He helped to direct the firm’s healthcare services equity research also actively covering all subsectors of the healthcare services field. He departed the renowned brand in 1999 for Bank of America. There, he served as head of the banking giant’s healthcare research group. He also acted as senior research analyst on health insurance and managed a variety of healthcare-related work, including specialty health benefits an...