Even some of the greatest technology-led revolutions, or allegedly technology-led, really were only made possible because of trends already present.

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

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

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

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

Today more people believe in UFOs than believe that Social Security will take care of their retirement.

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