1. Despite emerging innovation, retail investors remain the most ill-served group in asset management. Few quality investment opportunities exist for individuals with less than $1 million in net worth, and yet these investors represent a $147 trillion market globally. We see many models focused on this niche, including robo-advisors and social trading firms such as Ayondo, Collective2, EToro, Sprinklebit, Zingals, and Zulutrade. Other emerging disruptors in this space include Artivest and Franklin Square Capital Partners, which offers retail investors direct access to hedge funds which historically individuals could not access. The typical user experience of playing a video game is engaging, addictive, and fun; the typical user experience of investing is not. The financial services industry can do more to learn from the engagement models of the consumer internet space.