About the Author
BILL CRAGER is the president and cofounder of Envestnet, where he leads platform, product, and marketing strategy. He has been a driving force behind the firm's sixteen-year rise to be the leading managed solutions service provider in terms of total platform assets and financial advisors served.
JAY HUMMEL is managing director, Strategic Initia-tives and Thought Leadership at Envestnet. Hummel leads the firm's advisor training, consulting, and content development activities. Prior to joining Envestnet, he was the president and COO of a large RIA based in Cincinnati, Ohio.