We have quite a bit packed into this issue. From advice on investments and practice management issues to risk tolerance and investor expectations. But the one theme that runs through it all is this: It's time for advisors to step up their game and ask the tough questions.

For our cover story, we did a round of interviews with industry experts on retirement issues facing bank advisors. And the common theme from these experts was the need for advisors to talk more with clients. And not just to be chatty, but specifically to solicit the right kind of information.

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