about carl richards

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After more than 10 years working in the brokerage industry, Carl Richards, a CERTIFIED FINANCIAL PLANNER™, formed Prasada Capital Management (previously Clearwater Wealth Management). A fee-only firm, Prasada serves a select group of individuals and families. Prasada’s clients share two objectives: to not lose money and to enjoy their lives to the fullest.

about behavior gap

For years, Carl noticed something interesting: The real life return of the AVERAGE INVESTOR was dramatically lower than the return of the AVERAGE MUTUAL FUND. In theory, this gap shouldn’t exist, but investors were leaving money on the table and didn’t understand why it happened. Carl named this phenomenon the Behavior Gap™.

Carl’s relentless curiosity has driven him to explore why the Behavior Gap exists and to share what he knows. In addition to encouraging smart investor behavior, Carl also explores how our relationship with money and what we choose to value can impact our lives. If you want to learn more about the Behavior Gap™, feel free to email him at carl@behaviorgap.com.

samuel

Some days it seems like the world is awash in financial planners. Few of them qualify for the Certified Financial Planner designation. I met Annette Findling of Stonebridge Advisors at an open house event in Lincolnshire hosted by Linda Martin of Coldwell Banker. I asked Annette what a financial planner does and what the CFP designation means. Take a look at her answers. http://www.videorolls.com/watch/Meet-a-Certifie...
Anytime any planner charges for advice, there is always a conflict of interest. In my experience, those that beat the drum the loudest that they always put their clients first, are the ones who usually do the worst things to their clients.