Get a little imagination, guys.

It never ceases to surprise me how uninspired most financial services, and in particular, mutual fund, advertisements are. Only two come to mind as standouts: AXA's ads with the proverbial 800-pound gorilla in the room, representing the big question of how underprepared most people are for retirement, and another, by an investment firm I cannot even remember, in which an older couple resort to comically drastic financial measures, like taking in an unlikely boarder in order to get by.

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