The current institutionally provided retirement plans will not cover people's needs upon retirement.

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Thirty to 40 years ago, most financial decisions were fairly simple.

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Fifty years ago wealth was stored and transmitted physically through gold bars, stock certificates, bank...

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Mutual funds were created to make investing easy, so consumers wouldn't have to be burdened...

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Even the once simple home mortgage now has so many flavors and styles and variations...

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The changing nature of money is only one facet of the financial services revolution.

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So I think instead of focusing on the competition, focus on the customer.

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We're still in the first minutes of the first day of the Internet revolution.

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Before 1980, it was basically illegal for U.S. banks to invent new products.

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Be dramatically willing to focus on the customer at all costs, even at the cost...

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