Sandy Kaul

Sandy Kaul

Formal First Name

Sandy Kaul is an expert on innovative distribution trends and digital distribution at Franklin Templeton, where she serves as Senior Vice President of Digital Assets and Industry Advisory Services. In her role, Sandy provides advisory consulting and thought leadership as part of the Franklin Templeton Institute, delivering actionable intelligence on the future of the investment and wealth management industry, particularly in digital assets and models. She has over 25 years of well-rounded experience and background in driving market-leading research, thought leadership and predictive models centered on the evolution of the investment and wealth management industry. Throughout her career, Sandy has been building macro-level understanding of how the financial services industry evolves and how this evolution affects investor allocations, specific trading strategies, products, operational practices and supporting technologies. Prior to joining Franklin Templeton, she was a Managing Director at Citi, where she launched and built out Citi’s Business Advisory Services practice, a market leading provider of industry thought leadership spanning Citi’s Markets and Global Wealth organizations.

Professional Experience

Academic History


  • Sandy combines her unique blend of sell-side, buy-side and consulting insight to drive her research and thought leadership.

  • She champions opportunities to address industry advancements and drive transformation, with a focus on innovation distribution trends and digital disruption.

  • She delivers strategic insights to inform the firm's decision making on partnerships and investments, including the firm's growing digital asset business.


  • She addressed key industry trends such as the integration of both active and passive investing techniques.

  • She was involved in the emergence of beta strategies and solutions, utilization of factor analysis, rise of ESG, and the  importance of alpha people.



  • Sandy has been a frequent speaker at industry events and a widely published author.

  • She has also appeared as a guest on Real Vision.