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Beyond the Spreadsheet

“Imagine if instead of anxiety about the uncertain future, you get to this spot where you are clear about where you are today. You have a clear set of goals of at least where we think we are headed, and we now have a process in place for getting there. … Then we literally have the ability to let go, the anxiety goes away, and now you’ve found you can actually go do some of the things you’ve identified as your goals. What’s that worth? I don’t know what’s more valuable.” ~ Carl Richards

As advisors who follow an evidence-based investing philosophy, we believe that the relationship advisors have with their clients needs to be about so much more than the numbers. As Carl Richards, director of investor education for the BAM ALLIANCE, says in this foundational film, “We see past the spreadsheet to understand your most important dreams and goals.”

Please take a moment and watch the film below!

JDH Wealth Management is an Independent Member of The BAM ALLIANCE. The BAM ALLIANCE is an active community of more than 130 independent wealth management firms throughout the United States that have discovered a better way to help investors and their families take control of their financial futures and achieve their most important goals.


All About Carl

Carl Richards, Director of Investor Education The BAM ALLIANCE

Carl Richards is the director of investor education for the BAM ALLIANCE. He advises on best practices, marketing efforts and social media.

Carl is the author of The Behavior Gap and a regular contributor to The New York Times. Known for his simple sketches that capture complex investor behavior, Carl’s work has been featured in The Wall Street Journal, Financial Planning and at His work originally appeared on

Carl holds a bachelor’s degree in finance from the University of Utah.


The opinions expressed by featured authors are their own and may not accurately reflect those of JDH Wealth Management. This article is for general information only and is not intended to serve as specific financial, accounting or tax advice. Information regarding references to third-party sites: Referenced third-party sites are not under our control, and we are not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. Any link provided to you is only as a convenience, and the inclusion of any link does not imply our endorsement of the site.

© 2015, JDH Wealth Management

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