Television ads for investment firms and insurance companies are scary. Accidents jump out of closets, poor planning slithers under our sheets, and retirement is clomping up the basement steps to get us. Explicit images of a youthful retiree surfing with his grandson at the beach house, graduation ceremonies...

Harvey is an old man and got beat up a few months ago. Harvey is an old man and he probably deserved it. Harvey speaks from the gut, or some place in his self that doesn’t hang with his brain. Harvey doesn’t think about what he says before he says it. To most people in the Market, he is the...