I think we're going to rewrite what retirement means. What we do and how we look will be very different than prior generations. It's not going to be a passive experience.

The greatest challenge or consideration is cultural integration.

Financial sustainability is, without a doubt, the most pivotal issue for nonprofit organizations for the next decade. We're seeing many more organizations in financial distress.

By joining our companies together, we will dominate the two fastest growing segments of the financial services industry, retirement savings and international markets, ... This marriage is a great cultural fit, with complementary businesses and a distribution network that is second to none.

The retirement generation still is not quite here. The demographics suggest they will be a good real estate segment over the long term.

People should really think about the effect this will have on their retirement.