The bottom line has been growing at numerous wealth management firms. But looming on the horizon are big changes to the way advisors work; new technologies, new ways of communicating, and retirement plans threatened by longevity risk.  As part of our special report on the state of wealth management Merrill Lynch's Andy Sieg, head of retirement planning and solutions, and John Thiel, head of wealth management, explain how the business is changing, what Merrill is doing to prepare its advisors and why the future remains bright.

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