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Tuppence Collective Dark Tropical Leaf Birthday Card
Tuppence Collective
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Tuppence Collective Dark Tropical Leaf Birthday Card
Go totally tropical for a special someones birthday with a card featuring an original hand painted pattern by the surface design duo Tuppence Collective.
Card is gold foiled on the front with the message 'Happy Birthday'
Includes a white envelope
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Lovely Hermès Carré scarf in brown and red colors.100% silk.
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Macarius the Great
The current Coptic Orthodox Monastery of St. Macarius the Great [1] (video), which lies in Wadi Natrun, the ancient Scetis, 92 kilometers from Cairo on the western side of the desert road to Alexandria, was founded in 360 A.D. by the saint, who during his lifetime was spiritual father to more than four thousand monks of different nationalities-Egyptians, Greeks, Ethiopians, Armenians, Nubians, Asians, Palestinians, Italians, Gauls and Spaniards.
Not to be confused with St. Macarius of Alexandria [2], and St. Macarius the Martyr and Bishop of Edkao (near Assiut, Upper Egypt). The relics of the three Macarii are today preserved at the aforementioned monastery.
St. Macarius, one of the founding fathers of monasticism, was born in the village of Shabsheer, Menuf, Egypt, around 300 A.D. (295 A.D. according to Coptic Orthodox Synaxarium) from good and righteous parents. His father's name was Abraham and his mother's name was Sarah and they had no son. In a vision at night, his father saw the angel of the Lord, who told him that God was about to give him a son, and his name will be known all over the earth, and he will have a multitude of spiritual sons. Shortly after this vision, they had a son and called him Macarius, which means "Blessed."
St. Macarius the Great was obedient to his parents, and the grace of God was upon him since his young age. When he grew up his father forced him to get married against his will, so he pretended that he was sick for several days. Then he asked his father if he might go to the wilderness to relax a bit. He went to the wilderness and prayed to the Lord Christ to direct him to do what is pleasing to Him. While he was in the wilderness he saw a vision, and it seemed that one of the Cherubim, with wings, took his hands, and ascended up to the top of the mountain, and showed him all the desert, east and west, and north and south. The Cherub told him, "God has given this desert to you and your sons for an inheritance." When he returned from the wilderness he found that his future wife, who was still virgin, had died, and Macarius thanked the Lord Christ. Shortly after, his parents departed, and he gave all what they had left to the poor and the needy. When the people of Shabsheer saw his chastity and purity, they took him to the bishop of Ashmoun (Egypt) who ordained him a priest for them. They built a place for him outside the city, and they went to him to confess and to partake from the Holy Mysteries.
Then it once happened that an unmarried pregnant girl accused him of fathering her child. The pious saint did not protest; he quietly accepted the responsibility she had unjustly laid on him, and was attacked and beaten by the villagers and the girl's family, who demanded that he support her. He did so, selling the baskets that he wove and giving the money to her parents. When the time came for the girl to give birth, she was in great agony and cried out that it was not St. Macarius, but another man who was her baby's father. As soon as they heard this, the villagers felt ashamed of the way they had treated the saint, and went to ask his forgiveness. When they arrived at his little hut, they found it completely empty; he had fled from their praise and flattery.
St. Macarius was now (c. 330 A.D.) on his way to Scetis, where he would spend most of the remaining sixty years of his life. He dwelt in the inner desert, in the place of the monastery of Sts. Maximus and Domadius (now known as the Coptic Orthodox Monastery of El-Baramous). He went to visit St. Anthony the Great, who said about St. Macarius when he saw him, "This is an Israelite in whom there is no guile." St. Anthony put on him the Holy Eskeem (Great Schema), then St. Macarius returned to his place.
When the number of monks increased around him he built a church for them. St. Macarius' relationship with his fellow monks was a very special one. To them he was the 'aged youth' because, although he was young, having been thirty when he came to Scetis, he had the depth and wisdom of a person much older. St. Macarius fame also grew all over the country and many kings and Emperors heard about the miracles that God performed at his hands. He healed the daughter of the king of Antioch that was possessed by an unclean spirit.
One day he thought that the world had no more righteous people, so a voice came to him from heaven saying: "In the city of Alexandria there are two women who feared God." He took his staff, his provisions, and went to Alexandria and he asked around until he reached their house. When he entered, they welcomed him, washed his feet with warm water, and when he asked them about their life, one of them told him, "There is no kinship between us and when we married these two brothers we asked them to leave us to be nuns but they refused. So we committed ourself to spend our life fasting till evening with many prayers. When each of us had a son, whenever one of them cry, any one of us would carry and nurse him, even if he was not her own son. We are in one living arrangement, the unity in opinion is our model, and our husbands work is shepherding sheep, we are poor and only have our daily bread and what is left over we give it to the poor and the needy." When the saint heard these words he cried saying, "Indeed God looks to the readiness of the heart and grants the grace of His Holy Spirit for all those who wish to worship Him." He bade them farewell and left returning to the wilderness.
It also happened that there was an erring monk who strayed many by his saying that there was no resurrection of the dead. The bishop of the city of Osseem (Egypt) went to St. Macarius and told him about that monk. Abba Macarius went to that monk and stayed with him until the monk believed and renounced his error.
St. Macarius also knew how to be kind to those outside the Christian community. He knew that loving words had a greater effect than harsh ones. The story is told of his once having walked with a younger monk, and passing by a pagan priest, whom the younger monk greeted rather insultingly. But St. Macarius gave him a loving greeting, so much so that the pagan asked why St. Macarius was so thoughtful. The monk answered that he felt sorry for one who did not know that all his worship and effort were in vain. So deeply impressed was the pagan that he ended by joining the monastery, and becoming a model Christian, who attracted many other pagans by his own love and care for them.
St. Macarius the Great also fought Arianism and was exiled c. 374 A.D. to an island in the Nile Delta because of his support to the Orthodox teachings of St. Athanasius the Great. While he was there with St. Macarius of Alexandria, a pagan priest's daughter began to have terrible fits, and everyone agreed she was possessed by a demon. The two monks were able to heal her, and in gratitude, the people tore down their pagan shrine and replaced it with a church. Hearing of this, the authorities were quick to send both monks back to their respective monasteries.
Following this incident, St. Macarius returned to Scetis, where he continued to build on the foundations of monastic living laid by St. Anthony and St. Pachomius. His monastery grew and prospered, as did monastic life in general.
Departure and the saint's body
St. Macarius the Great departed from our vanishing world in 390 (or 392 A.D. according to the Coptic Orthodox Synaxarium). He was ninety-seven years old. On the day of his departure, he saw Sts. Anthony the Great and Pachomius the Great, with a company of the saints. A manuscript in Shebeen El-Koum (Egypt) mentions that St. Babnuda, his disciple, saw the soul of St. Macarius ascending to heaven, and he heard the devils crying out and calling after him, "You have conquered us O Macarius." The Saint replied, "I have not conquered you yet." When they came to the gates of heaven they cried again saying, "You have conquered us", and he replied as the first time. When he entered the gate of heaven they cried, "You have overcome us O Macarius." He replied, "Blessed be the Lord Jesus Christ who has delivered me from your hands."
St. Macarius had commanded his disciples to hide his body, but some of the natives of the village of Shabsheer came and stole his body, built a church for him and placed the body in it for around 160 years. Later on, his body was moved to another town where he stayed for 440 years, till the time of Pope Michael V (also known as Mikhail II or III, depending on how one names and counts previous Coptic popes sharing the related names of 'Khail' and 'Mikhail'), the 71st Coptic Pope of Alexandria. When Pope Michael went to the wilderness to observe the holy fast in the monastery, he sighed and said, "How much I yearn that God would help us so that the body of our father Abba Macarius be in our midst."
Later on, the abbot of St. Macarius monastery went with some of the elders on a certain business of the monastery, and they thought of bringing back the body of the saint to their monastery. They came to where the body was, but the people of the town and the governor assembled against them and prevented them from taking the body. The elders spent the night in great sorrow. The governor saw that night a vision of St. Macarius telling him, "Let my children take my body and do not prevent them." The governor was frightened and he called the elders and gave them the body. The elders took the body with great joy, and many faithful people followed them to bid the body farewell.
As they reached the monastery, all the monks came out holding candles and singing. Then they carried the body on their shoulders and went into the church in a great celebration, and God performed many wonders on that day.
Excerpts from his writings
God for your sake humbled Himself
God, for your sake humbled Himself, and you will not be humbled for your own sake?! The Lord Himself who is the Way and is God, after He came not on His own behalf but for you so that He might be an example for you of everything good, see, He came in such humility, taking "the form of a slave" [Philippians 2:7], He Who is God, the Son of God, King, the Son of King ... But do not despise His divine dignity, as you look at Him, externally humiliated as one like us. For our sakes He so appeared, not for Himself... When they spat in His face and placed a crown of thorns on Him and hit Him, what more humiliation could He have yet undergone?... If God condescends to such insults and sufferings and humiliation, you, who by nature are clay and are mortal, no matter how much you are humiliated, will never do anything similar to what your Master did. God, for your sake, humbled Himself and you will not be humbled for your own sake?!
--St. Macarius the Great (Homily 26, 25-26)
The aim of the Incarnation
I would wish to speak about a more subtle and profound topic to the best of my ability. Wherefore, listen attentively to me. The infinite, inaccessible and uncreated God has assumed a body, and on account of His immense and ineffable kindness, if I may say it, He diminished Himself, lessening His inaccessible glory so as to be able to be united with His creatures, so they can be made participators of divine life [2 Peter 1:4]. God who transcends all limitations and far exceeds the grasp of our human understanding, through His goodness has diminished Himself and has taken the members of our human body which He surrounded with inaccessible glory. And through His compassion and love for mankind, taking upon Himself a body, He mingles Himself and becomes "one spirit" [1 Corinthians 6:17] with them, according to Paul's statement. He becomes a soul, if I may so say it, in a soul, substance in substance so that the soul may live in God, and sense the immortal life and become a participator in eternal glory.
--St. Macarius the Great (Homily 4, 9-10)
Sources and further details
- The Coptic Orthodox Synaxarium: [3], [4]
- Saint Macarius the Great (Coptic Centre, UK)
- Macarius The Egyptian (Encyclopædia Britannica)
- Coptic Theology Bites: Excerpts from the theological writings of the Coptic Fathers (CoptNet)
- Deir Abu Maqar - page at the Web site of St. Mary Coptic Orthodox Church, Kitchener, Ontario, Canada
- The Monastery of St. Macarius (Deir Abu Magar) - by Jimmy Dunn
- Coptic Monasticism in the Time of St. Macarius - by Fr. Matta el-Meskeen, Abbot of St. Macarius the Great Monastery at Scetis. Published in 1972 (880 pp.)
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It's the smallest. The oldest. The wettest. Its volcanic peaks are low, green-cloaked, worn down and scalloped by wind and rain.
Kauai. My favourite of the four main Hawaiian islands. The most lush, low-key spot in the world with a ZIP code attached to it. No freeways like on Oahu. No highrise hotels like on Maui. No kilometres upon kilometres of brown rock like the Big Island.
Of the smaller inhabited islands, Lanai is too sleepy and Molokai too difficult (its top resort recently closed). On Kauai, everything is just about right (except for the traffic around Kapaa). No buildings taller than a palm tree. Even the Walmart has the decency to hide itself behind a cloak of trees on the edges of Lihue.
I have long-entrenched favourite places to swim, stroll, sleep and eat on Kauai. But each trip also brings new spots that become old favourites. My last trip in March was a mix of first-time experiences and longtime standards. Here's my latest collection of Kauai gems:
Manawaiopuna waterfall
I've flown in military helicopters in South Korea and Saudi Arabia, but I can't remember a whirlybird ride as gluteus maximus-clenching as the slide up a narrow canyon to the dirt landing path next to Manawaiopuna Falls. Island Helicopters has a monopoly on landing near this cascade, which starred in the movie Jurassic Park.
We landed next to a reservoir carved out of rock high in the hills above the west side of Kauai.
Pilot Isaac Oshita, 35, a Wailua native, learned to fly at California's John Wayne Airport and honed his skills flying tourist helicopters at the Grand Canyon. But making the run up to the falls takes a lot of practice -- and good weather. The trip doesn't go if conditions aren't optimal.
Luckily, our day was sunny and bright, if a bit windy. We scooted over the landing site and settled in, the rotors rustling the trees like a mini-hurricane. We ducked out under the blades for the short walk up a trail to a pond under the thin, pounding strands of water tumbling 120 metres over the ridge above. It was one of those moments where I couldn't help but say out loud, "Damn, I have a great job."
The trip isn't cheap -- $349 per person is the list price. But what was so satisfying was to fly from the concrete tourist world of Lihue, over the industrial harbour at Nawiliwili and then cut inland into the dense, jungle-like interior of Kauai that I had never seen. The reservoir built by the sugar workers to water the fields downslope is intact, though the landing pad used in the 1993 movie washed away long ago.
Hidden beaches of the Na Pali Coast
Confession: I've been coming to Kauai for nearly two decades and, before this spring, I never saw the Na Pali Coast on anything but a postcard. Kauai brings out the languid traveller in me, and the idea of snorkel boats and helicopters never overcame the wonderful lethargy of beachcombing, strolling and hammock inspection that mark many of my trips to the island.
But the helicopter ride to the falls included a swing up the coast, and I saw what I had been missing all these years. The steep pali, serrated like folds in a sheet, were beautiful enough. But the gem was the many hidden beaches -- sometimes just small crescents a few dozen metres wide -- that dotted the coast. Accessible by only boat or, in some spots, the coastal trail, they were often deserted or inhabited by just a lucky couple of people.
The beaches are about as close to the shipwrecked paradise feeling as you can find in Hawaii.
The ride back to the Lihue Airport isn't bad either. We flew over Hanakoa Falls, which tumbles down the side of the Na Pali Coast. Then our route ran along the North Coast, over Kee Beach and the taro fields near Hanalei Bay.
The route back skirts Mount Waialeale, the wettest spot on earth -- with an average rainfall of 12,000 millimetres per year. We picked up some drizzle on the windshield as we passed the cloud covered peak. Then it was over the hills and into Lihue.
View from Brennecke's Beach Broiler in Poipu
This casual restaurant serves a good hamburger and a pretty stiff mai tai. But I take everyone I can here for something not on the menu -- the framed view of Poipu Beach Park across the street as framed from the second-storey windows.
I usually try to visit on my first day on the island -- lunch or an early dinner at the window. A gaze out at the golden glow of the afternoon sun on the yellow sands and the sparkle-dappled waves beyond says "I'm not home anymore" better than just about any place I know.
Brennecke's at its best -- when it's a little slow -- is like a tropical isolation chamber. But even when it's full and an NFL game is loudly pumping out of the TV over the bar, it's a tonic for me. I feel my pulse slowing, my breath relaxing and my shoulders dropping. I can hear the palm trees rustle in the tradewinds through the open window. Roy's has fancier food. The Beach House sits closer to the water. But Brennecke's Broiler is quintessential Kauai for me.
Hanalei Colony Resort
The one-lane bridge just down the hill from the luxurious but slick Princeville resort separates the north shore of Kauai. To the east is the resort golf world. Down the hill, it's low-slung and slow going, especially after you get past the town of Hanalei.
I've visited the Hanalei Colony Resort many times over the years and never stayed. Long ago, the big draw was a restaurant owned by Maria Rosario Pilar Martinez Molina Gutierrez de los Perales Santa Ana Romanguera y de la Hinojosa Rasten -- better known as Charo. The connection to the curvaceous Spanish entertainer, known in the 1960s as the "cuchi cuchi" girl featured on The Tonight Show Starring Johnny Carson and Laugh-In, drew a steady stream of customers to the eatery she named after herself.
The resort next door always seemed a little too remote -- it's the only hotel west of Princeville on the north coast. During my visits, it often seemed to be either in disrepair or under repair. When I see stacks of lumber and a power saw resting on a work table, I know peace and quiet aren't going to mark my vacation.
But the resort seems to have turned a corner. The majority of the rooms have been renovated, and they are big by Hawaii standards. I stayed in March, solo in one of the standard two-bedroom units, and loved it. Be forewarned that though there are two beds, one is separated by a high wooden divider that blocks sights but not sounds. A lot of guests seem to have signed up for long stays, and there are potluck parties by the pool and on the lawn. The hotel will stock your refrigerator if you fill out an order form before you arrive.
The beach isn't A-plus. It's a bit rocky and windy. But it's OK for a dip and great for a sunset stroll. Charo's is long gone. The current restaurant is a winner called the Mediterranean Gourmet. It's picked up several awards from Honolulu magazine for its food and continues the eclectic entertainment of Charo's era, with the occasional belly dancer performing between courses. The hotel can also pack picnic lunches to take to Kee Beach or any of the other remote spots on this part of the island. The gift shop next door also serves a great espresso. Hanalei Colony Resort is one of those "not for everybody, but defi-nitely for me" kind of places. A nice find in a fantastic, quiet, lush part of the island. I'll be back.
Animal encounters: Snoozy seals and crazed koi
The beach at Poipu looked like a crime scene. Yellow police tape around the beach. Crowds with cameras gathered around. In the middle, a large brownish lump still on the sand.
It was a monk seal, probably dead and washed up on shore. We got out of our rental car and walked over. Mindy Schauer, the photographer I was travelling with in March, edged around to get a shot.
"I'm not putting dead seals in the Travel section," I told her.
Her camera clicked and slowly the seal's eyes opened, checked out the source of the noise, and closed again. The seal wasn't dead. It was napping.
They pull themselves up on the beach for a rest and the lifeguards use tape to keep the real problem -- tourists -- from getting too close. It's one of the many wonderful animal encounters I've had on Kauai.
There are quite a few nenes, the Hawaiian goose that is the official state bird. I've stopped to check out a donkey wandering along a back lane near Polihale Beach and watched as a big brown horse that had thrown its rider dashed miles down the sands near Waimea's pier.
The Kilauea Point Wildlife Sanctuary is a favourite side trip, especially when I am staying on the north shore.
The reserve, which includes nearby Crater Hill and Mokolea Point, is home to several kinds of nesting seabirds.
The area around the Kilauea Lighthouse, built in 1913, is a good vantage point to look for spinner dolphins, whales and monk seals.
One of my favourite animal experiences on Kauai is a bit artifi cial: the koi feeding time at the Kauai Marriott. Sure, it's a canned event at a resort, but the muscular thrashing and flashing of the colourful fish to get their meal is one of the most naturally psychedelic experiences you'll ever see. My favourite spot to watch koi feeding is the Byodo-In temple on the windward coast of Oahu.
But if you are in Kauai, stop by to see the action. I've never seen one of Kauai's most famous -- or perhaps infamous -- denizens, the sharks that surfers know are one of the dangers of riding the waves off the north shore.
Red rocks by Waimea Canyon
My love for Kauai comes from the lush, green world of the north shore and the northern slopes of the upcountry. But one of the spectacular things about Kauai is that there are many geological and botanical worlds to be explored.
The antithesis of the green fertile image of the island can be found on Highway 55, the route up to Waimea Canyon, which Mark Twain dubbed "The Grand Canyon of the Pacific." Before reaching the lookout, there is an area of red soil that can be found throughout the island, but is most prevalent on the west side (good for sugar cane and popular as a colouring agent for Red Dirt T-shirts).
Here is a treeless stretch where the landscape looks more like Utah than Hawaii. A small creek runs through a cut in the land, giving a splash of blue to the red. It's a palette that's the flip side to the greens of much of the rest of the island.
Just a small stretch, but a hidden Kauai gem that makes me want to come back again and again to collect more.
If You Go
TOURS: There are a number of helicopter operators on Kauai, but Island Helicopters is the only one allowed to land at Manawaiopuna Falls. The 85-minute Jurassic Falls Landing Adventure package has a list price of $349 (all prices in US dollars), but the company was offering a $100 discount during July. Shorter tours that take in just the Na Pali Coast and Waimea Canyon are available and are similar to those offered by other helicopter companies. Flights leave from Lihue airport. Island Helicopters flights can be booked at www.islandhelicopters.com or by calling 800-829-5999. WHERE TO EAT: Brennecke's Beach Broiler: 2100 Hoone Road, Poipu Beach, Koloa. 888-384-8810 or www.brenneckes.com WHERE TO STAY: Hanalei Colony Resort, 5-7130 Kuhio Highway, Haena. www.hcr.com or 800-628-3004. Rates start at $255 for a two-bedroom unit, rising to a starting rate of $275 during peak seasons such as summer. Ask about special rates and packages. Long-term stays of a week or more can drop the rate substantially.
WHERE TO SHOP: Talk Story Bookstore, 3567 Hanapepe Road, Hanapepe, 808-335-6469. www.talkstorybookstore.com. Music outside on Friday nights.
SIGHTS: Kilauea Point National Wildlife Refuge: End of Kilauea Point Road. www.fws.gov/Kilaueapoint. For information of the Kilauea Lighthouse, www.kilauealighthouse.org or 808-828-0384.
Koi feeding: Kauai Marriott Resort, 3610 Rice St., Lihue. It's on Kalapaki Beach, not far from the airport and cruise ship terminal. The koi feeding is usually at 9 a.m., making it difficult to see unless you are staying at the hotel. But check for any changes or additional feeding times by calling 808-245-5050.
More info: Kauai Visitors Bureau, www.kauidiscovery.com or 800-262-1400


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This Winter White designer color glass table lamp features a stylish black drum shade.
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CBS 'Mom' goes to a very dark place
If you weren't paying strict attention, you might have mistaken the CBS half-hour "Mom" for a typical network TV sitcom. It's very funny, there are plenty of jokes, the rhythms of set-up, punchline, kicker are familiar. But "Mom" is something different, especially for network TV.
Addiction comedy! Recovery humor! Dark, unsettling, a sobering commentary on American society, Chuck Lorre's "Mom" zeroes in on alcoholism and teen pregnancy in a way the happy mass medium hasn't dared until now.
Mom and daughter run into each other at AA meetings. Now the granddaughter is pregnant (her loser boyfriend is excited for her, clueless until he's told he's the father), following the family tradition of unplanned, unmarried child bearing.
Allison Janey is terrific as Bonnie, the soon-to-be-great-grandmother with a checkered past, displaying a physical lightness she wasn't able to portray on "The West Wing." Anna Faris is endearing as Christy, the soon-to-be grandmother, newly sober and regularly rolling her eyes at her mother's (Bonnie's) lack of parenting skills.
The premise is second chances, starting over, redemption. Of course there have been tough bluecollar tragicomedies in the past - "Roseanne," and Lorre's "Grace Under Fire" spring to mind - but "Mom" starts from a much darker place and stays focused on the generational patterns.
Lorre said once the writers determined to put Christy's mistakes and wasted years behind her, the comedy took shape. "By having the character of Christy have the nightmare of her life, for the most part, being in the rear-view mirror allowed us to explore this character in a way that we could have children in the show, and we could root for her, and we're not worried about the children. We know that all of her efforts are entirely focused on redeeming the relationship with her kids, redeeming the relationship with the people at work, and reclaiming her life."
Continual references to the mishaps and embarrassments of her drunk days are used for laughs, and they are funny, but there's a sadness to the comedy that distinguishes it from the usual cheery TV family dysfunction. Here's a show that might have arrived on cable in recent years. CBS, banking on Lorre's track record, boldly picked it up. Now more viewers need to do the same.


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I don't usually do year-end retrospectives or looks into the future in these pages. That's because good, sound practice management isn't trendy. In fact, it's just the opposite: Effective business strategies protect advisory firms from the ups and downs of trends that typically affect the financial services industry. When truly helpful trends in practice management occasionally do surface, we usually talk about them straight away. With that said, I have been following a few macro trends in our industry that, when combined, appear to hold the potential for reshaping the independent advisory world. While change is inevitable, many advisors find themselves unhappy about some of the recent changes in regulation and the business climate, which could finally bring the consolidation in independent advice that's been predicted for decades.
We're all aware that the baby boom generation of independent advisors began reaching retirement age during the past decade. It's a demographic that, when combined with the emergence of fee-based asset management over the last 20 years, has created a new industry around transitioning those retiring advisors' clients to new advisors. What many folks are not aware of, however, is the tremendous demand for—and resulting shortage of—qualified successor advisors this has created.
Those of us who work in the recruiting and human capital end of the business have been aware of this trend for some time, and it's quickly reaching crisis levels. The shortage of young advisors, and heightened competition to recruit them as boomer advisors' time for transitioning clients to them is running out, is creating three problems at many firms: overpayment, unrealistic expectations and high turnover rates.
Attracting superstar advisors to a firm with over-the-top compensation packages isn't on the surface a bad thing. One of the double-edged swords in the independent advisory business is that many owner/advisors can afford to overpay a key employee or two. The problem is the expectation that paying top dollar creates in both the mind of the owner/advisor (the new star will quickly make a major contribution to the firm with little or no training), and in the mind of the star advisor (if this job isn't satisfying, there's a better one somewhere with even better pay).
Consequently, most of these blue-chip recruitments don't work out, usually within two years or so. Primarily due to effective training programs, independent advisory businesses have historically been plagued with exceptionally high turnover rates among younger advisors, which has diminished both growth and profit margins at many firms. While the increased demand for successor advisors has magnified both of these problems, it's also had the even more dire effect of setting back an owner/advisor's transition plans for years, by starting the recruiting, training and client-transitioning processes all over again. Many owner/advisors are forced to delay their retirement or turn to an outside buyer to realize the value in the firm they've created.
At the same time, we're also seeing dramatic increases in regulation and compliance-related issues for independent advisory firms. Both RIA and BD-affiliated firms are experiencing a flurry of new rules and increased oversight at virtually every level. This has been driven not only by Dodd-Frank and the increased focus on independent firms, but also in response to the explosion in the industry use of digital communications and social media. For independent firms, the economic threat of increased regulation has been well-documented. What's often been overlooked, though, is the dampening effect that this avalanche of regulation is having on advisors who want to start their own firms—it's very hard to start an independent advisory practice today. That's why the majority of breakaway brokers we see these days are groups of the largest producers and why they need so much help from their new custodians to go independent.
One result of this de facto regulatory crackdown is the growing interest in existing advisory firms from institutions such as banks, so-called roll-up firms and already-large independent advisory firms. Higher firm values and the dwindling supply of potential successors are driving more near-retirement-age owner/advisors than ever to consider the option of simply selling their firms outright. That suggests to me that we may well be on the brink of an industry-wide consolidation on a scale that we've never seen before.
The effect of such a consolidation on independent advisors would be dramatic. In my experience, most independent advisors today became independent for two reasons: to have the freedom to serve their clients' interests to the best of their abilities, and for the lifestyle and working environment of owning their own businesses. If most of the advisors that I know wanted to work for large institutions or in large firms, they would.
Instead, they made the choice not to, and it's not hard to see why. There are jobs in which you can make more money, but for control of one's working environment, harmony with one's personal life, a more than comfortable living and the ability to help people in an area of their lives where they desperately need it, being an independent advisor is hard to beat. It's hard to see them or the next generation of advisors happily working in large firms, with or without an institutional owner.
That brings us to the question of whether industry-wide consolidation into larger advisory firms is, in fact, inevitable. I don't have a crystal ball here, but it seems to me that the ultimate effects of retiring baby boomers and increased regulation will depend on two factors: what solutions advisors themselves demand, and how the industry that supports independent advisors—custodians and broker-dealers—respond to that demand.
I suppose it's possible that some of our industry custodians and BDs would actually prefer to work with larger advisory firms and consequently don't view these trends as problematic. From an operations perspective, it's probably more efficient to work with a smaller number of very large firms, rather than the currently very large number of smaller firms. Still, I can't help but feel that this thinking will sooner or later be revealed as rather short sighted.
For one thing, from a larger business perspective, working with a small number of large firms greatly increases the risk exposure of losing even a few of those firms to the competition. Currently, we can see this effect on Wall Street wirehouses, which are reeling from the fallout of larger producers breaking away. Larger advisory firms have greater bargaining power, which translates into the ability to negotiate lower fees and higher payouts from their BDs or custodians. In fact, today, most larger firms have relationships with multiple institutions, effectively creating a bidding system for major business lines.
Whether these institutions will see things this way is anybody's guess. I suspect independent advisors will increasingly demand help facing today's challenges, backed up by the growing ease with which even small advisory firms can work with multiple custodians or BDs to get the best deals for their clients. To keep their advisor firms happy, these institutions will need to step up in the areas where advisors are facing the greatest challenges.
On the regulatory front, the support institutions need to use their technology to create efficient systems for advisors to meet their growing compliance responsibilities. Custodians don't have to oversee advisors as BDs do, but they have to make it much easier for their advisors to comply. They need to use their bargaining muscle to negotiate lower fees from independent compliance firms in strategic partnerships.
To help retiring advisors transition their firms to the next generation of advisors, custodians are going to have to go beyond education about succession plans and start addressing the real problems. Succession planning is essentially an HR problem, and custodians are going to have to get more involved with financial planning colleges to connect talent with firms; with programs to help firms prepare their young advisors to become firm owners; and with programs to finance the internal succession of these increasingly valuable firms.
These changes in the independent advisory world can't help but force the institutions that support it to adapt. The firms that help independent firms stay independent will end up with the majority of advisors—and assets under management—in the years to come.


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"Alcohol More Dangerous Than Heroin, Study Finds." Wow, that's quite a headline. I came across it online while reading about recently published health research. Based on a British abstract study of various drugs (such as cocaine, heroin, ecstasy, marijuana, and alcohol), the research assessed the effects that these substances have on individuals and on our society.
The researchers looked at the addictive potential of each substance, harmful physical effects to users, emotional/functional costs of substance use to family systems, and financial costs to society for such things as health care, social services, and prison.
Their conclusions? The most severe effects on individual users came from heroin, crack cocaine, and crystal meth (methamphetamine). Social costs were greatest from the use of alcohol, heroin, and crack cocaine. But, when all parameters were considered as a total package, alcohol was at the top of the list, causing the greatest combination of overall individual physical disability, as well as widespread social dysfunction. The next substances on the ranking were heroin and crack cocaine, with marijuana, ecstasy and LSD lower in rank.
It's possible that alcohol's rank comes in part due to our society's acceptance of both alcohol use and abuse, the ready availability of alcohol, and the devastating effects of excess alcohol on nearly every organ system.
I worry most about the effect of alcohol on teenagers. Some of the costs of alcohol use among younger users include an increased risk of:
- Depression, anxiety, and attention problems
- Alcoholism – the younger the drinker, the higher the risk of that individual eventually becoming addicted
- Injury or death in motor vehicle accidents, as well as increased risk of violent death from other causes
- Suicide attempts in girls who drink
- Risky sexual practices (including earlier age of sexual activity, and higher risks of unprotected sex and sex with strangers)
- Other drug use (including marijuana, cocaine, heroin)
It's hard to battle alcohol use among teenagers – our society as a whole seems to deem excess alcohol use as benign and amusing. Media images of drunkenness are often funny gags. Alcohol is touted as a reward for a long workweek, a social lubricant, and a way to deal with stress. Teens see these images on TV and in movies, and around them in the real-life behavior of their parents and other adults.
Our schools try to educate our teens about alcohol use and abuse, but we all need to join their efforts. We adults need to lead by modeling responsible alcohol use, by refusing to be amused by drunkenness, and by making it clear that underage drinking is wrong not just because it is illegal, but because it is potentially seriously harmful to the underage drinker.
Important: The views and opinions expressed in this article are those of the author and not Everyday Health.