Salvatore M. Capizzi, CEPA, CBDA, is Chief of Sales and Marketing at Dunham & Associates Investment Counsel and one of the financial services industry's most prolific practitioner-authors. With more than four decades of experience at BlackRock, New York Life Investment Management, Chase Manhattan Bank, and Shearson Lehman Brothers, Sal brings institutional depth to topics most advisors treat superficially — and publishes before the rest of the industry recognizes why those topics matter. His greatest accomplishment of the past 18 months is the evolution of his retirement longevity research into “The Great Wealth Mirage” — the argument that a 40 to 50 year retirement horizon threatens the Great Wealth Transfer itself. Dunham is a San Diego-based TAMP, broker-dealer, and trust services firm with over 40 years of history and $8.29 billion in assets under management and administration