Great article. You talk about US only, but a similar picture can be observed also in Europe. Younger population is more and more aware that they can not relay on the state pension system, instead they need to think of creating savings on their own. But creating savings is only part of the story, one also needs to invest them. And here the role of financial advisors comes into play :) Would be interested to hear more on a fee model, what kind of fee model works best both for advisor and investor (also from marketing prospective)...