There are three things that are not really welcoming to an adult over 50 years old – starting a rock band, learning to snow ski and banking. While the rock band and skiing are self-explanatory it is rare that you hear issues with banks. This isn’t because the issues don’t exist. It is because Americans over 50 are reluctant to complain for a variety of reasons - most notably not wanting to admit to themselves that they need help. Having just passed the half-way point of this decade, aging has been on our mind and it seems our industry could do better.