Dec

31

 To my friends:

Our industry is in the throes of massive change – and many say it came from dishonesty or avarice. While that may be true for some parties, it is also part of an evolutionary process for the organism we refer to as the financial services industry.

The research areas of most industries create tools, only to later discover their best uses. In some ways, 2010 will be a year where we get new tools – just as a mechanic gets new tools and manuals for each year’s new car models. For us, these changes create many opportunities.

So that is my New Year’s resolution to you: to recognize how many opportunities we are given.

Our family wishes yours all the best – health, happiness, and good fortune.

Jeff


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