People don't place their trust in government or company pension plans; they have to be self-reliant.

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

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

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

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

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

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