Michael Kramer is Managing Partner and Director of Social Research at Natural Investments, a sustainable and responsible investment advisor with 10 offices in 9 states. A national leader in his field since 2000, Michael serves on the national policy committee of USSIF: The Forum for Sustainable and Responsible Investment, the industry’s trade association. He is co-author of The Resilient Investor: A Plan for Your Life Not Just Your Money (Berrett-Koehler, 2015). A former Executive Director of Permaculture Drylands Institute, Michael has facilitated permaculture courses and teacher trainings since 1992. He lives in Kailua-Kona, Hawaii.