When one of the world’s most successful investors, a man in his 8th decade, sounds the bell of change like he’s a 60’s folk icon, you know change is inevitable. Actually, in the financial services industry change has been around for a while. The newspapers constantly ring out terms like “digital transformation” and “robo-advice” while online banking done while having a coffee at Tim’s has become a reality for the majority of Canadians. Not all mind you, but most. That said, the next five and ten years of your life and mine will be remembered for significant change, increased expectations from those who tell our industry what must be done, and the changing needs of your life.