In response to the incredible financial upheaval that has affected investors, advisors and clients, this year we selected Movers and Shakers who are taking on new challenges-or approaching old challenges in new ways. You may not like what they have to say. But we can guarantee that you'll be intrigued. These are the leaders who are shaping your future.

Eleanor Blayney

As Eleanor Blayney began looking back on her career, she realized that there was a group of professional women much like her, age 45 to 65, who were hungry for a different kind of advice.

Steve Holdsworth

Steve Holdsworth was having dinner with his wife Wendy in Boston during FPA Boston 2008 when he presented her with a problem: How does one come up with an acronym for "mid-profession and career transition planners" within the Financial Planning Association?

Rick Ketchum

One thing is clear about Rick Ketchum, the chairman and chief executive officer of the Financial Industry Regulatory Authority: No one is apathetic about him.

Carl Richards

For a financial planner, Carl Richards isn't much of a planner: His career trajectory took him by surprise. Take his Behavior Gap blog, for example.

Don Trone

Don Trone is back on the Movers and Shakers list-and on the cover of this magazine-soon after his first appearance, in 2007. And why not: his signature issue, the fiduciary standard, is this year's hot topic.