Aired 07/22/12 How can you make better investment and financial decisions? A new book called, "The Behavior Gap" by Carl Richards explores this. After more than 10 years working in the brokerage industry, Richards, a CERTIFIED FINANCIAL PLANNER™, formed Prasada Capital Management (previously Clearwater Asset Management). In addition to encouraging smart financial behavior, Carl also explores how our relationship with money impacts the quality of our lives at BehaviorGap.com. Carl’s knowledge and expertise has led to a contributor role on the New York Times, Morningstar’s Advisor blog, publication in Financial Planning, and speaking engagements, including fi360. Carl received a Bachelor of Science degree in Finance from the University of Utah.