team of advisors leaning on railing More advisors are moving as teams and more have joined an established firm rather than starting their own. But that's just the tip of the iceberg when it comes to advisor trends. (Photo: Shutterstock)

A transformation in the financial services landscape means that the industry looks very different than it did just five years ago.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.