The number of banks operating in the US have dropped from a high of over 14,000 in the late ‘70s to mid ‘80s to less than 6,000 today. These banks are competing for customer deposits, investments and savings against nearly 4,000 broker firms with 643,000 agents; nearly 32,000 registered investment advisors, and five major money-center banks with over 44% of the banking industry’s $15 trillion in assets. Community banks especially need help, guidance and assistance in competing for business and individual customer deposits, loans and investments.