Two points struck me when we held this year's Retirement Roundtable. We are just beginning to see the effects of technology and demographics on retirement and how the advisory world will react to all of this.

First, the management of retirement income will become more visual for both financial advisors and clients. Second, a massive return of retirees to the workforce might be as revolutionary in its impact as the huge number of women who arrived on the employment scene decades ago.

These were some of the perspectives elicited from our panel of experts brought together for our cover story: "Debating the Retirement Challenge," beginning on page 30. Managing editor Lee Conrad moderated the discussion, which highlighted the nuances of the retirement wave that will be washing over America in the coming years.

It was Andy Sieg of Bank of America Merrill Lynch who threw out the idea that older workers coming back to Corporate America would mark a sea change in our culture that might prove positive for U.S. growth and competition.

And, it was the veteran of several of our retirement roundtables-Jim McCarthy of Morgan Stanley Smith Barney-who noted that retirees are on Twitter and using social media. They're not talking about the latest fashion like their teenage grandchildren. Instead, they are going online and going mobile to stay connected to the world of employment and to hold on to both their sense of community and identity.

Even though we devote 11 pages to our roundtable, we couldn't squeeze everything we wanted into the print pages you see here. So, we are providing video excerpts this month from the event. You can find them at onwallstreet.com's AdvisorTV by clicking on the retirement roundtable.

Moving beyond retirement, attorney Mark Astarita in "By the Rules" on page 24, provides insights into the potential ban of the use of pre-dispute arbitration agreements by brokerage firms and its effect on the FINRA rule that requires firms and the people who work for them to arbitrate their disputes. Astarita argues that if the Securities and Exchange Commission bans such agreements for customers then it should ban similar agreements between firms and brokers.

Then, if you want to find out how your peers are positioning their clients' portfolios this year and next, turn to Five Questions on page 26. There, Amy Strong, a senior analyst at Financial Research Corp., talks about her latest research findings about what clients are demanding of their advisors.

Especially provocative this month is attorney Alan J. Foxman's Compliance column on page 55. He offers guidance into problems that one advisor who switched firms found himself in when he didn't answer a complaint from a state regulator. Foxman also explains how to handle an arbitration settlement when you can no longer afford to pay what you agreed to.

In Case Study on page 57, RBC Wealth advisor Allan Flader, touts the advantage of using a needs-based assessment to augment the risk profile of your clients. Flader gives two examples of how such an assessment offers a more complete picture of the clients' needs and wants. After all, he points out, a customer's needs may be different from whatever the risk profile might show.

There's much more in this issue-whether it's the ideal way to avoid tax pitfalls when using separately managed accounts or finding the best way to communicate with the new and younger client generations or the words of wisdom that Dick Ferguson, president of the private client group at Morgan Keegan, offers on Life Stories on page 72.

So, read on and don't forget to go online to onwallstreet.com for video excerpts from our roundtable.