I once began a conversation with a marketing firm by asking, “Where should we advertise to get the best bang for our buck?” They answered the question with their own question, “How much money do you have?”

One thing we love about our friend Michael Kreps is that despite his impressive bio and accomplishments as a principal at Groom Law Group and as senior pensions and employment counsel to the Senate HELP Committee, he is more spark than reserve – and he knows more about the industry than we are likely to forget in our lifetime.

• We’ve got some welcome October rains going on here. Pull up a cushion and a blanket, grab a hot cocoa, and enjoy some perspectives from a warmer place:

• Greece and Retirement. We publish this view in its glorious entirety. Scrolling alert.