The Behavior Gap

The Behavior Gap : Simple Sketches, Complex Concepts

Carl Richards is a CERTIFIED FINANCIAL PLANNER™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. Through his simple sketches, Carl makes complex financial concepts easy to understand. His sketches also serve as the foundation for his two books.

From Markowitz's Modern Portfolio Theory to studies of diversified allocations by Brinson, Hood and Beebower; The Behavior Gap sketches help us visualize, in a single graphic, some of the detailed theories behind investing. Below are just a few of his sketches you will also see positioned around our website.

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We build strategies to help weather market movements so you won't feel the need to make portfolio changes at the wrong times.

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Our Values

Trust. Honesty. Integrity. We believe values matter, and we live by ours every day.

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Our Process

We can work directly with your CPA or tax-preparer to help determine the right investing tax strategies for you.

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Our History

The answers to these questions can help reconfigure your strategy as life hands you changes.

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