Carl did a great job of taking over our financial plan that had been performing poorly for a while. He took the time to explain, in simple terms, the options available to us and advise us on the way forward based on a research-driven process. The process helped bring clarity to my wife and me regarding our investment options in light of our risk-profile. Carl has done a tremendous job and he has put our plan back on track. He applies a personalized approach that we greatly appreciate.