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

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

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

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

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

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

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

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

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

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

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