Carl Richards is a certified financial planner and the director of investor education for the BAM ALLIANCE. The creator of the weekly Sketch Guy column at the New York Times, he is also a columnist for Morningstar Advisor. Carl is a frequent keynote speaker at financial planning conferences and visual learning events around the world. In 2015, he published his second book, The One-Page Financial Plan: A Simple Way to Be Smart About Your Money. You can learn more about Carl and his work at BehaviorGap.com.