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    Carl Richards

    Creator of the Behavior Gap

    Carl Richards is the Chief Brand Officer at Elements, a software company for advisors.1 He is also the creator of the Sketch Guy column, which appeared weekly in The New York Times for a decade.4 Carl is a Certified Financial Planner™.235

    Richards uses simple sketches to explain complex financial concepts.245 These sketches form the basis of his books, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money and The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money.245

    Carl's sketches have been showcased in exhibitions at the Kimball Art Center in Park City, Utah, Parsons School of Design in New York City, The Schulz Museum in Santa Rosa, California, and the Mansion House in London.45 His work is also on display in businesses and educational institutions globally.45

    Before becoming Chief Brand Officer at The Elements Financial Monitoring System™ in January 202246, Carl Richards held positions such as:

    • Financial Advisor at Prudential Securities (1996-1999)6
    • Wealth Manager at Merrill Lynch (1999-2004)6
    • Founder of Clearwater Asset Management (2004-2009)6
    • Director of Research at TCI Wealth Management (2008-2009)6
    • Founder of Prasada Capital Management (2010-2012)6
    • Director of Investor Education at BAM Advisor Services (2012-2016)6

    Carl Richards graduated from the University of Utah - David Eccles School of Business with a Bachelor of Science in Finance (1993-1997).46

    Highlights

    Dec 22 · twitter

    If the math works but something feels wrong, don’t ignore that. It’s part of the balance sheet.

    This sketch is a reminder to look at the whole picture.

    You’ll find this sketch and many more like it in Your Money, my latest book. Grab your copy here: https://t.co/ndxrrCRx95 https://t.co/NruVeuTckQ

    If the math works but something feels wrong, don’t ignore that. It’s part of the balance sheet.

Thi
    Nov 19 · twitter

    The 2026 Society of Advice retreats are now open.

    These aren’t workshops in a hotel ballroom or networking mixers.

    They’re quiet, honest conversations in my home in Park City, Utah.

    Around the table. On the trail. By the fire.

    Not theory. Not tactics.

    Just the real work that’s hard to do anywhere else.

    We’re capping each retreat at 10 financial advisors.

    Small on purpose.

    If you’ve been waiting for the right time, this is it. You’ll know if this kind of thing is for you.

    Retreats are only for Members of The Society of Advice. It's easy to become one if you aren't in the room yet.

    👉 Email hello@thesocietyofadvice.com with the subject line “2026 Retreats” for all the details.

    Once your seat is confirmed, we’ll send you a discounted link for a great hotel just down the road.

    The 2026 Society of Advice retreats are now open.

These aren’t workshops in a hotel ballroom or net
    Jan 9 · businesswire.com
    Snappy Kraken, Carl Richards Launch Email-Based Course
    Jan 9 · Business Wire
    Snappy Kraken, Carl Richards Launch Email-Based Course - Business Wire
    Snappy Kraken, Carl Richards Launch Email-Based Course - Business Wire
    Jul 29 · theorg.com
    Carl Richards - Chief Brand Officer at Elements Advisors | The Org
    Carl Richards - Chief Brand Officer at Elements Advisors | The Org
    Feb 7 · Built In
    Documentation Processes for Business - Built In
    Documentation Processes for Business - Built In
    Nov 17 · cfala.org
    A Fireside Chat With Personal And Behavioral Finance Expert Carl ...
    Jan 12 · fitadvisors.com
    Episode 53: Communicating Uncertainty with 'Sketch Guy' Carl ...

    Related Questions

    What inspired Carl Richards to start the "Sketch Guy" column in The New York Times?
    How has Carl Richards' work impacted the financial planning industry?
    What are some key takeaways from Carl Richards' book "The Behavior Gap"?
    How does Carl Richards use storytelling in his branding efforts?
    What are some examples of Carl Richards' sketches and their impact?
    Carl Richards
    Carl Richards, photo 1
    Carl Richards, photo 2
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    Location

    Park City, Utah, United States