Suggestions
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
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

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.


