Michael Gatewood's desire to raise his children in the Midwest prompted his move to Chicago in 2005—and transformed his career. Starting there as assistant manager of UBS's downtown office, he was picked in 2008 to run the Troy office. GM was going bankrupt, and the other car companies were flailing. It was trying, but also a time of opportunity. "You earn your relationships in difficult times," he explains. "It is easy to forget how important [your role] can be to people."

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