In 2014, a number of unknowns will continue to determine the fates of banks across the country. These start with exogenous factors that can impact even the strongest of businesses-things like the direction of interest rates, the ever-tightening shackles of financial regulation and the overall health of the global economy.

But this doesn't mean that a bank's wealth management unit should leave its future in the hands of destiny. On the contrary, it is more important than ever for banks to bring these businesses to the fore.

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