#1: Go on the offensive: this is an opportunity, not just a threat.
#2: Give retirees what they need, not what you need to sell.
#3: Serving retirees isn't just different, it's the opposite of what you're used to.
#4: If you control the decision process, you will control the assets.
#5: Clever math is no substitute for good strategy.
#6: KISS kills at retirement.
#7: Decorate the house, not the foundation.
#8: Product efficiency will win over complexity.
#9: The quest for the "One Best Solution" is the path to failure.