Like any fundamental change, the ramifications of fintech cannot be fully delineated. There will be twists and turns that we cannot see today. But significant changes are taking place that will only become more evident.

Fast movers will have the easiest time of it. But everyone will eventually have to shift at least some of what they are doing—financial planners, too.   

Mark Fadiman is a journalist working on both blockchain and cybercurrency issuance.

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