Big Question:  Wealth Management professionals have marketed themselves as Portfolio Managers for many years.  This practice continues despite the fact that underlying performance of these advisors can vary widely from established benchmarks and professionally managed products.  What is the future of Rep as Portfolio Manager as an offering by Independent Broker/Dealers?  Do you see this business growing or shrinking?  Is this business model inconsistent with the increasing focus on Financial Planning as the leading capability offered by Advisors?