BEN CARLSON is the Director of Institutional Asset Management at Ritholtz Wealth Management. He has spent his career helping various nonprofit, institutional, and high-net-worth clients plan and invest their money wisely. Ben is the creator of a popular financial blog and podcast and is the author of several books including A Wealth of Common Sense: Why Simplicity Trumps Complexity in Any Investment Plan and Organizational Alpha: How to Add Value in Institutional Asset Management.