"As larger providers get scale, cost savings diminish with each acquisition. The holy grail is offering participants wealth services ... Depending on the business models and market focus, the list of viable record keepers may be limited. ... Advisors need to narrow their partnerships to record keepers, first, not likely to exit the market, but also are willing to collaborate with reasonable rules of engagement, allowing for both parties to make money, which requires advisors to have scale, savvy and determination as providers go through the same process themselves."  MORE >>