About Carl

After more than 10 years working in the brokerage industry, Carl Richards, a CERTIFIED FINANCIAL PLANNER™, formed Clearwater Asset Management. The fee-only Clearwater serves like-minded individuals and families that share two objectives: to not lose money and to enjoy their lives. You can contact Carl by email, carl{a}clearwaterasset{dot]com,  or by phone, 888.424.0466.

In addition to encouraging smart financial behavior, Carl also explores how our relationship with money impacts the quality of our lives at BehaviorGap.com. For people interested in keeping up to speed with interesting financial news, Carl publishes a mini-newsletter via email at ThinkingCarl.com. Carl’s knowledge and expertise has led to a contributor role on Morningstar’s Advisor blog, publication in Financial Planning, and speaking engagements, including fi360 in May 2009. Carl received a Bachelor of Science degree in Finance from the University of Utah.