We're still in the first minutes of the first day of the Internet revolution.

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

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

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

For every one of our failures, we had spreadsheets that looked awesome

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.

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