My career on Wall Street now spans over 35 years, eight employers, three states, and thousands of clients investing literally billions of dollars. Along the way I have witnessed an industry evolve in ways I would have never expected.   

About fourteen years ago, it became painfully obvious that Wall Street was failing to serve clients with integrity or objectivity.  Regulators regarded “advice” (the very thing clients thought they were paying for) as merely “incidental” in the broker/client relationship.  In other words, it did not even matter if advice was in the equation – the client was paying only for a transaction.  Conflicted interests, a lack of transparency, and cultures of high-pressure sales dominated the landscape.  At its core, I believed Wall Street was broken and there had to be a better way.