James Fletcher is the founder and chief investment officer of Ethos Investment Management, and has been investing professionally in emerging markets for 20 years. He is also the founder of the global non-profit Young Investors Society, which provides lessons to teens on investing and financial literacy in over 3,000 high schools and 80 countries around the world. James has a bachelor’s degree in Finance from Brigham Young University and also teaches as a BYU adjunct professor in Finance. He has lived in a variety of places, from Boston to Brazil and Los Angeles to Hong Kong, and currently lives in Springville, Utah, with his wife and five children, where he serves as a bishop in the Hobble Creek Springville Utah Stake.