It seems that each week a new article tries to unravel the seemingly mysterious differences between baby boomers and their Gen X and Gen Y employees and clients. After interviewing some younger advisors for my newsletter, I'm beginning to think that the distinctions may be very different from what we've assumed.

Let's start with the broad-brush comments we hear from boomers: Gen X and Y employees are unwilling to pay their dues. They're allergic to working long hours and just aren't as loyal as members of their parents' generation. The younger generation has an inferior work ethic and a lot of commitment issues.

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