The number one asset and conundrum in our business models today; TALENT.

How to source, retain, and incentivize all levels of talent will remain top-of-mind for small businesses
and boardrooms as financial services evolves.

There is no need to mention the past simplicity of managing talent. People were hired, grew at a certain
pace based on the person and company, and at some point, retired for a calmer lifestyle. Today,
complexity reigns with our talent and will metastasize with everything from fewer employee entrants to
artificial intelligence.

Now is the time to execute strong incentivization to enhance and sustain top talent in our businesses.