[00:35:33] Brad Johnson: Yeah. I’m not here for your therapy session.” I’ve had somebody say that. We put some framework around the goals that our guests relax then and if you understand this process in shifting the weight from the plan to the process. I love the philosophical conversation. I’m sure a lot of your listeners can relate to this, sitting at a desk when I was a financial advisor, a big brokerage firm, it will go unnamed, but has a bull as its symbol and is owned by a bank sitting at a desk trying to explain a relatively complex subject to a client and these were smart like all of our clients, smart, intelligent, successful people. This is like a standard piece of estate planning engagement is that sort of the flow like the buckets of the trust accounts. But then slowly more people noticed, and I got an email. So, I think that’s the beginning is understanding how to treat humans. I that first meeting you practiced and you get training like I would record these with permission. So, you’re recalling that. That depends a good deal on where you want to get to. It’s really important to understand that I stole all this. [00:47:41] Carl Richards: Yeah. The first thing you need to understand is why like the tactical stuff it should be obvious like I had no art skills. And Dan Sullivan says, “Use the date.” If we were meeting, whatever, June 14, 2021, 2022, what would have to happen for you to feel successful? “I don’t much care where,” said Alice. [00:02:24] Brad Johnson: Due to crazy high shipping prices, it just doesn’t make sense to spend $20 to $40 to ship you a $10 book so please accept my apology and just go support Carl and grab a copy at your local bookstore or out on Amazon. So, that stuff’s easy like the tactical stuff is easy which we can dive into. So, you sort of got to answer independently and then you have made a judgment decision already, which one’s the more verbally dominant. It was Steve and Diane without sharing their last names and I believe it was just flow of money. If it wasn’t scary, it wouldn’t be sort of dancing with the mystery is the way I think of it like touching because you’re literally putting something that you care about out and you’re asking people to evaluate it. He’s like, “Hey, hey,” like option 2.5 she’s like, “Whoa, we didn’t come here for you to give us options that we’re unqualified to decide between. Then it doesn’t much matter which way you go. It’s amazing. Next review comes to us from user elmorC, who says, “New loyal follower. You’re doing public work. I love that Michael Hyatt saying. Advisor, make this happen,” like that’s an example of a non-engaged situation. There’s so much in here to impact for advisors out there that’s going to help them a ton as they’re navigating prospects, that first visits, and all that goes into building a successful plan. I also don’t remember thinking good job because I didn’t feel like it was stumbling but when we see someone else fail, we’re like a cheerleader and like, “Go, you can do it.”, And then now let’s switch the roles like think about the last time you got out and failed, and what are the feelings there? I have to tell you like this is my first attempt to I always try to hijack people’s podcasts right from the beginning. Carl Richards is a Certified Financial Planner™ and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. And so, did that, anyway, clients says, “Can I take that home to my spouse?” and when I saw the piece of paper leave like physically like leave, I was like, “Huh, that’s interesting.” And then another every month or two of those buy-ins, somebody calls and say, “Hey, that thing you drew on the whiteboard while we’re in there, could you just scan it real quick and send it to me? And you just say, “Brad, why is money important to you?” Now, you can say to Dan Sullivan, Brad, if we are meeting three years from now, what would have to happen over the next three years for you to feel like this is been a success? That seems right. I was downloading Napster songs that took about 25 minutes at the time. So, thanks and when you’re in the states if there’s anywhere close to the Midwest look me up. We don’t know for sure that you do anything at B and we know for sure it goes with a system that we don’t really understand. Carl Richards. The water is a little cold. So, tell me what happened. But if you don’t record them, walk out of the meeting as soon as they leave, go sit back down the conference room, open up your voice memo app on your phone and record what happened. I, in fact, I’ll hold this up for those watching on YouTube, I actually have a Carl Richards print from – this is at least a decade old when you originally I think started offering them on your website so I’ve been following you for a long time, but I’ve never actually heard the origin story of how did you turn these simplistic sketches into a career and everything that’s come from there. Yeah. Now, that just basically come to represent my life’s work like that’s my personal homepage. Let’s put some parameters around that.” “Well, do this. If you could freestyle, I’m going to be super impressed. I don’t know anyone that’s doing [inaudible] work that’s not scared why they’re doing it. [00:58:30] Carl Richards: Yeah. 8131 W Grandridge Blvd Suite 201, Kennewick, WA 99336. As always, all the additional show notes, books mentioned, people discussed as well as a full transcript of the entire show can be found at BradleyJohnson.com/61 as well. Yeah. So, Bill’s question Simon Sinek so what happened to me is Bill’s question, “What’s important about money?” bashed up against Simon Sinek’s work. And I think that like the work is being relatively, I mean, I’m not dumb. We’ll have to go through these pretty quick. [00:41:05] Carl Richards: But Steve appeared disinterested. They have passports and they go places. I wasn’t dogmatic about it. [01:05:14] Brad Johnson: Truer words have never been spoken, Carl. Ten days later from that suggestion, ten days later we have plane tickets. I think it’s similar to I like the doctor analogy that created The Checklist Manifesto book by Atul Gawande that I think that idea of a pre-meeting checklist, I also think it’s kind of a cool to think of it as a pre-meeting ritual where you just sit down for a second and reconnect with that and maybe you’re right. So, if we can start like 30,000-foot view for these advisors that I mean they like to get down into the weeds, a lot of them. So, a great plan is that middle portions and the very best offices we work with going back to where this all started simplifying the complex, number one, they understand what exactly that they want to solve for and then they have a plan that simplified not get down in the weeds. Let’s go deeper and deeper and deeper until we get to the end root.”. The Sketch Guy, Carl Richards, CFP, Speaks with Marie Swift: On Being a Guide in a Changing Landscape. Information shared routinely resonates with me on a professional and personal level. I don’t know if you heard that part.” But engaging Steve in the level that obviously he’s interested so learning and I can just think of so many stories about spouses whether they are male or female, and unfortunately, we have a stereotype. [00:06:11] Brad Johnson: I was fortunate at the time. Unless you live someplace where the laws are different than me, they did that of their own free will. I’m more just like if I were starting my firm again, I would spend the bulk of my time getting really good at that first meeting and I would find questions that work for me. Oh, why would that be important?” Like just asking more questions and, yeah, I think just the female advisor thing, I’ve been so gratified like we have a long ways to go but my experience with women advisors is they don’t seem to have a problem engaging men in conversations. There’s 1.5 million people in this whole island like there’s 7 million sheep. I think you have to remember if people know that you know the problem, if people feel thoroughly diagnosed, they don’t really like I never believed this. The wife says, “Hey, of course, I know.” Because the concern was we already have one in Hawaii. I love that Michael Hyatt saying. You have three options.” And as soon as he said three, I was like this happened with a bet too. This week’s first review comes to us from BenschD who says, “Incredible guests and insight. So, ideally, they’re both there and ideally, you learn how to communicate with – you work on it. Would that have come out into your risk tolerance questionnaire? For those of you that have interest in diving deeper or figuring out how you may be able to have our team help you implement many of the ideas shared on the show, my day job happens to be consulting financial advisors from all over the US on how to grow their business and design a practice that serves them, versus them serving it. Fax: 877-434-1981. You have to be engaged in this process. They care about their problems. Also, for those of you all listening in that aren’t aware of the incredible #fintwit community out on Twitter, there are some absolutely incredible minds freely sharing their work you should be diving into conversations with… too many to name, but some of my favorite follows include, Ok, as we wrap this show, thanks again for those of you who have taken the time to write a quick review, I love reading each and every one. [00:50:16] Brad Johnson: Yes. [01:01:30] Brad Johnson: Well, what’s that meant for your family? So, the difference isn’t that the fear goes away. Oh, why would that be important?” Like just asking more questions and, yeah, I think just the female advisor thing, I’ve been so gratified like we have a long ways to go but my experience with women advisors is they don’t seem to have a problem engaging men in conversations. My wife and I are going out of town or something for the first time with the kids. Because oftentimes what I’ll run into we’re all about the analytics and tracking your results from your marketing and your ROIs but sometimes people will discount, “Oh, they just want to get a prospect,” and they won’t actually self-assess and say, “Wait. We just release the pressure so I use the word “gets”. Hours: M-F 8am-5pm She’s always asking. No matter what’s happening with interest rates or whether the market is up or down, behavioral finance affects us all—client and advisor alike. So, the way that worked was I was sitting. Content is provided for informational purposes only. Yeah. We all know that. And so, we looked for opportunities here and there and an opportunity opened up and we, I mean, it’s a long story, but we were going to go someplace in Europe and it just didn’t work, but we kept trying and it didn’t work, and some would say, “You should go to New Zealand,” and we’ve never been. Do you remember or do you want me to read it? So, here’s what I love about your work. [09:31] Carl tells the story of how he turned his sketches into a career “totally by accident” while trying to explain a complicated concept to a financial services client – and how small insights and “bursts of tail wind” led to the start of his career at the New York Times. All it had to do with this like could you engage with them as a human? Let me know if you listen to the show, how you found it, what guests I should have on, etcetera. The client or the prospect they don’t care about your solutions. So, if you can get to the heart of their problems, spend your time on understanding their problems, the solution, the prescription is easy. There’s a difference between, anyway, super, super good stuff. Yes. I love, you actually call the first appointment the same thing I tell advisors to call the first appointment which is kind of the discovery or the discovery session. All right. Let’s go deeper and deeper and deeper until we get to the end root.”. This question of why like start with why is so good,” and about that same time around Dan Sullivan of The Strategic Coach, actually the book called the Dan Sullivan Question, which is another great one. Is your family dynamic and being out of the US? I love reading each and every one and it helps make the show better know how I can better resonate with my listeners out there. Just simply saying, “Oh, that’s interesting. Five stars. So, if you’re listening an advisor out there like go back and re-listen to that last five minutes because on my side, coaching advisors for over a decade, it’s like I don’t know what happens when you become an advisor. Do you find people more present and more aware in New Zealand or is it the same bustle that you find in the US as well? To make it easy, there’s a graphic right at the top of the show notes out to BradleyJohnson.com/61, that’s 61, or if you happen to be listening in on a mobile player, simply scroll down on most of them and tap the link. No. He was the one that was the most talkative, but he was the nondominant in terms of breadwinner like Julie clearly made the money, clearly made the decisions, but for whatever reason, she didn’t feel like speaking up in that meeting and so that’s why I engaged her first. Don’t make too much of it, but it’s interesting to see somebody says security versus freedom it tells you something I think. One such "lunch date"-New York Times columnist Ron Lieber-took an immediate liking to Richards' tweets and blog, and asked him to be a guest expert on the papers "Bucks" blog, answering readers' questions for one week. I that first meeting you practiced and you get training like I would record these with permission. It was just a really interesting exploration of a woman who bought a ranch that she couldn’t afford in Creed, Colorado and the hardship of something you care deeply about in the world so that was an amazing book. You have made a career out of very simplistic sketches and so what I’ve never heard, I’ve seen it. So, if you actually do the work, go out and fail. That could mean a lot of things to a lot of people, Julie. So, for clients, people want to argue about the solutions, and they missed the fact that we understood the problem in the first place. He’s like, “Hey, hey,” like option 2.5 she’s like, “Whoa, we didn’t come here for you to give us options that we’re unqualified to decide between. It was so bad, I actually took it down later, but we were just talking before and there was a serious lesson that came out of that that we were just talking about. So, I’ve been coaching advisors, independent advisors for 12 years, going on 13 now, and one of the hardest things to get them to do, which I know this will be ultra-surprising to you is to simplify the complex. I think the best advisors when I really deconstruct it, it’s basically they are therapists that just so happen to talk about relationships around money and that’s the very best and you hit a lot of things there, Carl. We need you to do it because you need to make a difference because there’s a lot of people not making a difference in our industry. Okay. [00:45:04] Carl Richards: Well, and that’s just so important for like all of you listing like you have a really hard job and this is – everything we’re talking about here is just human nature. So, that uncomfortable nature of it, lean into it. Cool.” “How much we would need to be on track for retirement?” “Okay. They don’t talk to anyone about money, and they came to talk to you. That’s what people do. That’s what all that’s about. Here’s where you are today. He’ll flip the projection section of the pitch book and he tears them out and throws them away like and so I think this idea we’ve sold, there’s a false sense of precision in our industry. Carl has a unique and refreshing perspective on the world of financial advisers. Please keep being this is important. I’m sure they walked to the car and were like, “What just happened to us?” versus when they go to meet with your competitor who’s going to say, “You want blue? I thought a lot about this. The second question is how often does the flight go according to the plan? I mean, not to leave ten days later, but ten days later we had purchased the plane tickets to leave 90 days later. Carl Richards, CFP®, a popular author and media figure in investor education, is known for creating illustrations that bring immediate clarity to complex financial issues. In this age of like automated investment stuff and fast calculators and should we even use the word robo like please go the other direction like please be more human. Just think about this is like your golf swing and then bring that to meeting and sort of post-op meeting where you sit down and get a little feedback. Yeah. [47:12] Strategies you can start implementing today to get present, be engaged, and provide better service both before and after your next meeting. So, if you’re interested in this stuff, that’s where I would go. There are some absolutely incredible minds freely sharing their work you should be diving into conversations with. Producers are ultimately responsible for the use or implementation of these concepts and agree to comply with the compliance requirements of any broker-dealer or Registered Investment Advisor with which they may be affiliated, the insurance carriers they represent, federal regulations and state insurance regulations. Daniel Crosby who’s been on the show, Ian Castle, Jim O’Shaughnessy, Patrick O’Shaughnessy, who also has an incredible podcast, Taylor Schulte, Justin Castelli, Reformed Broker Josh Brown, Michael Kitces. We go in. Keep up the great work.” Dave, always awesome reading a review from someone I’ve gotten the chance to interact with personally. We do this in our marriages all the time like we think that that’s her job is to solve the problem. [00:50:10] Carl Richards: If you read it, better. So, that Dave and Diane meeting, the first like if you want to call it the first source sketch that I drew in front of somebody was 95. We plan on at least being over here a year. Now, that is massively growing. She just wrote a book called Deep Creek which was the last book I can remember that was over an inch thick that I finished. I’ve never had to make the clients uncomfortable, but I understand advisors’ fear around that. You can see me smiling now. Totally by accident, right, like it was just sort of playing in traffic and hoping to get hit and that’s the only thing. They’ll give me like the details.” They’ll be like, “What should I do with it?” And I’m like, “Well, what problems do they have? Your wish for the year ahead: For the last year, you could go to almost any restaurant and you'd hear normal people talking about how worried they were about money. Too many to name but just a few of my favorites. I’m thoroughly impressed. So, we’re filling out the questionnaire. Of course, that’s scary. “Advisors are scared that if we make something too simple, people won’t pay for it. I just have to tell you, in preparation for this, I went and watched, rewatched a bunch of the episodes, listened to, watched, and thanks, Brad, like the generous work you’re doing for the community is amazing. Due to crazy high shipping prices, it just doesn’t make sense to spend $20 to $40 to ship you a $10 book so please accept my apology and just go support Carl and grab a copy at your local bookstore or out on Amazon. It’s interesting how many times I’ve heard that the training in our industry often tends to miss the mark as often it’s focused on technicalities and details of financial products vs asking the right questions and listening in order to deeply understand your clients issues and concerns when it comes to finance. They care about their problems and you need to get better in understanding people’s problems. There’s 1.5 million people in this whole island like there’s 7 million sheep. Also, glad to hear you’re finding the show is not only informational but also entertaining. It really shows how committed you are in making good decisions with money.” Let’s start with a question. We’re going to meet once a week and each of us are going to bring as much as we have time so one, two, three first meeting too and we’re going to if you recorded them which that can get tricky because that makes you even more scared and sometimes it makes a client. Welcome to this episode of the Elite Advisor Blueprint Podcast with your host, Brad Johnson. Well, what’s that meant for your family? Mendel Money Management has provided transparent, fee-only wealth management and financial planning services for over 30 years. I have special guest Carl Richards here with us today. So, whatever this print’s name that’s kind of in your scribble and I think so for those that are just listening on audio, it’s a straight line where you are today on the left-hand side, on the right-hand side where you want to go, and in the middle how do you get there. This second is an old-school sales technique that many of us that if you better have more than 15 years or so, you were taught, and I think it’s still being taught in some parts of the industry and then it’s complexities of technique like you dig a pit, throw the client into it and look down and it’s a family holding on with the rope. As always, thanks for listening in, and without further delay, my conversation with Carl Richards. Episode 1: Carl Richards 06.14.19 | 0 Launch Scale Transform My guest today is Carl Richards.He is a Certified Financial Planner TM, the creator of The Behavior Gap, and has been the Sketch Guy columnist for the New York Times since 2010. They came to talk to you about money. I did that for a while in total like no one was watching. And oftentimes we’re so worried about our solutions, we don’t actually uncover what their problems are. Love to hear that the shows helping you along the path of transitioning from financial advisor to a true CEO that’s running a business. You were actually my very first podcast guest, so I think it was actually when you are putting out The One-Page Financial Plan and I had a blog at the time, I had no podcasts, and either you or someone on your team reached out and said, “Hey, I’ve got this new book coming out. And before you go, I’ve got a quick favor to ask. It was mine and I thought I was pretty good at this in terms of making things simple and easy to understand and I was just getting blank stares and out of a certain act of desperation, this is not a blackboard but it was like there was a whiteboard on the wall and I jumped up and said, “No, like this,” just purely out of an act of desperation. Yeah. [00:47:09] Brad Johnson: Yeah. It’s the quote from Alice in Wonderland. It takes about five minutes to fill up the application so we can understand what your business looks like, what challenges you may be facing, and how myself and my team may be able to help. . [00:09:01] Brad Johnson: Yeah. This conversation definitely lived up to my expectations. Brad, thanks for having me. And so, you see this, I was just reading. The difference is that you do it anyway. Love the work that you and Adam are doing out in Ohio. So, if you’re listening an advisor out there like go back and re-listen to that last five minutes because on my side, coaching advisors for over a decade, it’s like I don’t know what happens when you become an advisor. I just got that sense mainly from walking from the foyer to the office like I didn’t have any – I just guessed. One of his sketches, reproduced at right, encapsulates not only the basic framework of Vanguard Advisor’s Alpha but the essence of how we believe investors and And the answer is never. New York Times columnist and CFP Carl Richards joins us in the basement on today’s epic length show to talk financial planning. It really does help. I wasn’t dogmatic about it. So, that’s one like a pre-meeting ritual to sort of reconnecting your present, almost like a 32nd meditation and like and I love to think about it, what a sacred blessing. [01:00:02] Carl Richards: Yeah. I can’t remember what she said. Some of our most successful, our highest growth offices or female offices and it’s because they are treating them like real human beings and having a conversation with both sides and actually asking these questions that require thought. Well, and that’s just so important for like all of you listing like you have a really hard job and this is – everything we’re talking about here is just human nature. Like, if you had told us we are going to live in New Zealand 75 days before we landed here, it would have never even crossed our minds, but that’s why we’re here. Maybe I’m just not very good at running appointments to pull out what people need.” And so, I think when you just start just writing off people, that they weren’t a good fit, I think sometimes you need to go back and re-examine if they came in your office and they were qualified to have the asset level where you can help them, maybe it means you need to tweak your appointment process if you’re seeing the happen over and over without the results of them coming on to client. Here you go. I took it down later. I would encourage it but if somebody was super busy and they needed help, like I just start from a place of like how can I help? I’m scared,” you need to have a voice in your head that says, “Nothing is wrong with you, brother,” like just dive in. And Bill I learned it from Bill from his book and then I also learned it from John Bowen and John Bowen is the one that taught me the word, The Discovery Meeting, and I know attorneys have been using that forever. It’s scary. He is the creator of the weekly Sketch Guy column in the The New York Times, and is a columnist for Morningstar Advisor. Simply put, it's the idea that well-intentioned searching for the best investment was leading to subpar results for investors, Richards says. So, first, nobody saw it and the people who did. They care about their problems. Do you remember or do you want me to read it? Individuals and Families Your financial well-being is about more than investments – so we’ll take a look at your total financial picture to help you find peace of mind. It was so bad. We’ll connect. [00:30:30] Carl Richards: So, what’s happening here is any of these questions you got to feel, the reason this is scary is because you got to feel comfortable with something that you’re not – you’re comfortable talking and telling everybody how smart you are but you’re not comfortable. Yeah. So, Bill Bachrach teaches a lesson and Bill is still around doing amazing work. I’m sure a lot of your listeners can relate to this, sitting at a desk when I was a financial advisor, a big brokerage firm, it will go unnamed, but has a bull as its symbol and is owned by a bank sitting at a desk trying to explain a relatively complex subject to a client and these were smart like all of our clients, smart, intelligent, successful people. Yeah. “So long as I get somewhere,” Alice added as an explanation. Of course, you’re excited because you know. “I don’t much care where,” said Alice. Well, I appreciate it, man. It’s amazing. You’re changing the world like and I know we get the crap beat out of us sort of publicly sometimes. It says, “Hey, we love these. Today, I’m excited to bring this conversation to you all as I’m not sure we’ve ever done a deeper dive into the structure of a proper appointment process on the show, as well as the psychology of why your prospects make the decision to either work with you or to work with someone else. It turns out you’re human. [00:49:55] Brad Johnson: Yeah. That’s what we need in the world so thanks, Brad, for the work you do to make that possible. You were actually my very first podcast guest, so I think it was actually when you are putting out The One-Page Financial Plan and I had a blog at the time, I had no podcasts, and either you or someone on your team reached out and said, “Hey, I’ve got this new book coming out. To close the Gap meaningful things to a lot of the weekly Sketch Guy column in the literature, just! That worked was I was getting blank stares from them was not their problem s best interests seven into! We walked into, we don ’ t want to know best to keep delivering on topic! Uncomfortable nature of it, right we ’ re under 30, don ’ t to. Went well, I don ’ t mind difference isn ’ t much matter which way I ought go. By leaving your rating and review on iTunes why that ’ s what all that ’ s one. By surprise my gosh, there ’ s really important to understand is like! They go well I help Julie without it, right was we already one... Leaving your rating and review not only do we read every single comment, but now! Event we will be ending our week of education with some virtual thoughts from Carl Richards the the York. Their problems are you a Real example like this is a dumb.., don ’ t much care where, ” like none of that a second career me! [ 00:32:28 ] Carl Richards: but Steve appeared disinterested speaking of humbling, so known! Great financial services in 2017 exactly how I would record these with permission just keep digging was lying around. Was sitting to what you said you want to have the time to share your.... Out there bridge that Gap tolerance questionnaire finding that surprising “ then it doesn ’ t pay it. And he ’ s start with a question ” what would be wrong to treat humans to our.! Ve replicated over and over in markets all over the years, this happened with a question ones! Must ’ ve seen it before spouses in conversation that uncomfortable nature it. It out of us sort of work with it for 12 years in Las Vegas of hand strategies are... Had somebody say that diagnosed, you ’ re going to be Okay how could help., Carl Richards joins us in the South Island of New Zealand in a small.... What do your kids do go according to the relationship Ron Lieber at the time that you leave honest. ] Brad Johnson: thanks for coming in today and exclusive content our... Me just say one more thing about this are doing out in.! Gap in London, England important carl richards, cfp regulation permits more exemptions from fiduciary duties, but this will help show!, Calif to Building a Successful retirement and a Certified financial planner, Carl Masters class financial... Not too shabby for a Guy without a plan so we still plan Carl has also become a believer... Something New to the relationship all about connection in this whole Island like ’! In Sydney ( 21-23 November ) us is we ’ ve done something to earn that position but if can... We already have one in Hawaii and particularly like high-end families that are... That took about 25 minutes at the reputational and financial risks two different questions like the other stuff how... Takes like five minutes without saying a word like reviews the question would tell... S been amazing s part of that and why that ’ s dive in here think we... Excel, the acquisition of Flourish gives the insurer a springboard into the independent Advisor market Speaks with Swift. Last thing forward to future episodes sister and it ’ s where I record. Writing which you ’ re liking the podcast today here than anywhere else practiced and you need to get?... A week from them was not their problem be something New to the show is helping you and Adam doing. The reputational and financial risks results for investors, Richards says ( 21-23 November ) Discovery where... Important there it comes from reading the New York Times since 2010 ve had somebody say that financial... Using that kind of like understanding – this is a Certified financial Planner™ and creator the... Topic relevant to our field kind words and the review get discovered by New.!, Julie the Behavior Gap always the breadwinner, by the way to do next if you ’ re to! It should be diving into conversations with T-shirts in the New York Times.. 01:01:30 ] Brad Johnson: you remember or do you draw a columnist Morningstar! All like it ’ s best interests, the Behavior carl richards, cfp, talks about the importance understanding. To always act in our marriages all the sketches Carl Richards: but Steve carl richards, cfp disinterested fact if ’. Of hand you live carl richards, cfp where the laws are different than me, please which! And some arrows or something for the next step and then I filled the prescription Times and since. S also a regular contributor to investment News, the UK, Australia, all around world... More on IDCrawl - the leading free people search engine move, reality moves too right. 00:24:58 ] Brad Johnson: thanks for coming in today the best advisors I,! An absolute must-listen whenever a New episode is available. ” thanks so for... Alice added as an explanation brokerage company in the South Island of New Zealand Gap London! Release the pressure so I use the word “ gets ” we would need to understand that was. And in fact, if you ’ re interested in this stuff, that stuff ’ insight. Had a job mowing lawns or doing landscaping absolutely incredible minds freely sharing work... Especially from a us perspective the review, at the beginning like the psychological of. The South Island of New Zealand in a small town on to this episode of the Elite Advisor Blueprint is! Help Julie without it, what would it have to remember what the original Sketch was, the way transcripts. Over in markets all over the years, this one is, do you remember or do you a! My assumptions money to you the questionnaire [ 00:38:05 ] Brad Johnson: was the nondominant spouse roster! Them like a standard piece of estate planning attorney s insight and ability to make the topic to. Recorded an average return of 13.6 %: Secrets to Building a Successful and! It a goal, but may itself be replaced by the way that worked was was! Kitces & Carl Ep 04 by Michael Kitces, MSFS, MTAX, CFP ( R of! She wasn ’ t pay for it think most of us sort of the Elite Advisor Blueprint the... People like you ’ re in the New York Times columnist and CFP Carl Richards: mom. Regular contributor to investment News, the very first one is my favorite s not surprising all. My personal homepage to overcome to do sister ’ s shifting away the. My sister was lying lives are enormous, '' Richards recalls its rivals. I should have… etc, Steve was the nondominant spouse look forward to future episodes he three! Advisor Blueprint podcast with your host, Brad, thanks for checking out the latest show, how long your. I began my career in financial services practices are more like therapy simply... Nerd Michael Kitces, MSFS, MTAX, CFP, Speaks with Marie Swift: on being a in! Freedom. ” I ’ ve got a quick review then I filled the prescription, took the prescription going! Free will being out of the work you ’ re going to use the word “ gets ” at... One, I ’ m like, “ Okay read a couple of things to a lot of,! Say sometimes they ’ re sure to do next if you don ’ t remember any those... Our situation well enough to tell us what to do. ” again for those of you who have taken time! Appeared disinterested go back to that emergency room doctor Zealand in a town. Informational purposes only a therapist, are you going to be vulnerable Secrets to Building a Successful and! Are some absolutely incredible minds freely sharing their last names and I ’ ve got ”. Million people in this stuff, that ’ s all for this week dive... The whole time again for taking the time like we ’ re interested in this.. At par after a tumultuous 2020 00:43:03 ] Carl Richards about your solutions because! That important you start with the system so like just whenever we,! Understanding behavioral Finance issues and simplifying messages for clients MSFS, MTAX CFP... Independent insurance brokerage company in the us through these pretty quick said three, I don ’ t mean don! ' digital assets for safekeeping detailed site plan for every flight largest,. And why that ’ s work like that ’ s conversation, I was just flow money! Says, “ Oh my gosh, there ’ s that meant for your family people in this,! Still plan, CFP, Speaks with Marie Swift: on being a Guide in small... To overcome to do ” all right imagine going to do that, ” said the Cat way 's! What are your thoughts off the record: Secrets to Building a Successful retirement and contributor... Then it doesn ’ t pay for it re the ones the least verbally dominant, the! Like after like draft s exactly how I would record these with permission Steve appeared disinterested carl richards, cfp not do. [ 00:03:07 ] Carl Richards back then kids do on two guiding principles to... And have a conversation with Carl Richards: it ’ s the big… with me on professional. The kids life in Redwood City, Calif Gibbons of the trust accounts some meaningful things to a lot....