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

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

Well, today people have to be self-reliant if they want a secure retirement income.

Even the once simple home mortgage now has so many flavors and styles and variations that it is difficult for people to make a decision.

A whole generation of Americans will retire in poverty instead of prosperity, because they simply are not preparing for retirement now.

A brand is no longer what we tell the consumer it is - it is what consumers tell each other it is.

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