Aired 01/22/12 Carl’s first book, Behavior Gap: Simple Ways to Stop Doing Dumb Things With Money. It all started when 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. A CERTIFIED FINANCIAL PLANNER, Carl is also the founder of Prasada Capital Management (previously Clearwater Wealth Management). A portfolio design 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. http://www.behaviorgap.com