Smarter Planner Podcast Elegant Simplicity in Financial Planning - Carl Richards, CFP [Founder & Author]
11 snips
Jan 14, 2026 
Carl Richards, CFP®, renowned for his The Sketch Guy column in The New York Times, discusses the importance of simplifying financial conversations. He highlights how jargon alienates clients and stresses the value of elegant simplicity over complexity. Carl encourages advisors to present clear, one-page summaries first, followed by details if needed. He predicts a future where AI handles calculations, allowing planners to focus on empathy and understanding. By using visuals, Carl believes advisors can ignite meaningful discussions, ultimately enhancing client relationships.
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Episode notes
Strip Jargon, Start With Plain Language
- Avoid jargon and explain terms simply to keep clients engaged and informed.
- Remind clients you can offer a brief plain-language explanation before diving into detail.
Exposure Meant Sun, Not Danger
- Carl tells a story about asking a surfer friend about "exposure" and getting a sun-related answer.
- The mismatch shows how different definitions of the same word can derail decisions.
Elegantly Simple Beats Simplistic
- Elegant simplicity differs from simplistic; it comes after mastering complexity and choosing what truly matters.
- Advisors earn the right to be simple by doing the deep work first.
