How are breakthrough innovations created? What is the process and can it be replicated or facilitated? These are the fundamental questions tackled by Frans Johansson in his seminal book, "The Medici Effect."

When reading the book as well as getting the opportunity to hear him speak at three recent MassMutual events, I was struck by Johansson's inspirational thinking and research on the subject of innovation. It helped crystallize my thinking about how few breakthrough companies and ideas have emerged in the financial services industry in general, and the retirement industry specifically compared to, for example, the technology industry.

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