My #4IR Journey And How I Discovered IBM

I had a background in financial sales and portfolio strategy, but Fintech was on the rise, the RoboAdvisor was gaining momentum, and Bogleheads were taking over. They were consolidating to the point of monopoly and had determined that fee income and cross-sell ratio were more important than service and fiduciary responsibility to client wealth. "Too big to fail" became the justification for mass abuse in the financial system. We only have to look to Wells Fargo's recent crisis to see the results. The problem is systemic, encouraged, and will get worse before it gets better.