For years, a guy named 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 seem to understand how it happened. Carl named this phenomenon the Behavior Gap™. For over 15 years, Carl’s

relentless curiosity has driven him to explore why the Behavior Gap exists and to share what he knows about the it. Carl’s main purpose for creating the Behavior Gap is to help people close the gap by learning and practicing the best investor behavior. Carl shares his findings via behaviorgap.com and at public speaking engagements. To receive email updates on his latest research, click here.

So who is Carl? After more than ten years working in the brokerage industry, Carl went out on his own to serve as the Family Chief Financial Officer (CFO) for a select group of families. In addition to his role as Family CFO, Carl also serves in a research capacity for multiple financial firms with offices in Arizona, Nevada, North Carolina, Georgia, and Utah.

Carl received a Bachelor of Science degree in Finance from the University of Utah, and he’s credentialed as a Certified Financial Planner™. Married with four children, Carl enjoys spending time outside with his family. If you want to learn more about the Behavior Gap™, feel free to email him at carl@behaviorgap.com. To learn more about the role of a Family CFO, click here.