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

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

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

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

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

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

Be dramatically willing to focus on the customer at all costs, even at the cost of obsoleting your own stuff.