Hi Savio --

I want to thank you for such a well-considered comment, and apologize for my circumstances at the moment. I'm just about to go on vacation, and am (I guess) technically on vacation right now. So I can't respond in as much depth as I'd like.

But I do want to make one point, which is that as a millennial it seems completely strange to me that people quickly enter a political mode when talking about retirement. Why is that?

For those of us who expect to be in the workforce for the next thirty years at least, it seems kind of silly. There is nothing that can be done to keep a massive generation of elderly people from retiring, and it makes sense to acknowledge that they don't have enough money. What we do about it is a big question, but it feels intuitive that individuals, employers, and governments will all need to act in some fashion to bring about a positive result.

Anyway, completely agreed that our industry has a lot to bring to the table in solving this crisis. We are getting better at advising our clients every year, and delivering improved service at reduced cost. I expect that trend to continue well into the future!

Thanks as always for reading --

Will