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Sandy Kaul
SVP-Advisory & Thought Leadership

Sandy Kaul is an SVP at Franklin Templeton and the Global Head of Digital Asset and Industry Advisory Services.  Her work focuses on how disruptive technologies and innovation are reshaping the trajectory of asset and wealth management. Sandy draws on a combination of proprietary industry surveys, a broad and diverse set of client engagements, and a network of leading industry experts to create unique insights and thought leadership on how investment portfolios, strategies, services, and customer engagement are evolving. She is a frequent speaker at industry conferences, events, and webinars and is a sought-after source of information and advice for senior industry leaders.

Prior to joining Franklin Templeton, Sandy had created and built out the Business Advisory Services team over a 12-year period with Citi Global Markets and within Citi Wealth Management. Earlier in her career, Sandy worked on the sell-side as a futures research analyst at Shearson Lehman Brothers, on the buy-side as a portfolio manager at Commodities Corporation/Goldman Sachs Asset Management and as a program manager at J.P. Morgan Private Bank.  Sandy additionally has a background in consulting, leading the introduction of web-based capabilities into the institutional financial services space via her work with the innovative technology start-up firm Scient during the Dot.Com era and then with capital markets niche specialty consulting firm in the mid-2000s.


Sandy graduated with a major in History and a minor in Political Science from Colgate University. She co-owned and helped to run a comedy club in New York City for more than a decade. She actively supports the STEM-focused Young Women’s Leadership School in the Bronx, NY, and in helping to improve educational opportunities for women in underserved communities.

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