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

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

Technology is similarly just a catalyst at times for fundamental forces already present.

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

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

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

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