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Hi, and welcome to the Longview. I'm Christine Ben's Director of Personal Finance for Morningstar.

And I'm Jeff Battack, Chief Ratings Officer for Morning Star Research Services.

Our guest on the podcast this week is Carl Richards. Carl is a certified financial planner and a financial advisor communication expert.

His new venture is called The Society of Advice, which he describes as a global gathering

of real financial advisors. Carl created the sketch guy column in the New York Times, and he's also

author of two books, the one-page financial plan, a simple way to be smart about your money,

and the behavior gap, simple ways to stop doing dumb things with

money. In addition, he hosts the Behavior Gap Radio podcast and also co-hosts a podcast with

financial planning guru Michael Kitsis called Kitsis and Carl. Carl, welcome to the Longview.

Christine and Jeff, it's super good to be back chatting with you again.

Well, we're really grateful that you're here today.

We have a lot to discuss.

We last talked to you a little more than a year ago that was at the very height of the pandemic.

What are your main takeaways when you reflect on the past year for your work as well as for the rest of your life?

That's such a good question.

The main takeaway I have really is that old saying that people make plans and God laughs is true.

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