The Pivot to Emerging Technologies in Financial Services.  We welcome Sunayna Tuteja, who heads TD Ameritrade’s digital and emerging technologies efforts.  Her vision of technology as democratizing finance and creating financial inclusion fits in with the overall founding ethos of Ameritrade.  She thinks carefully about what the problem is, why is it worth solving, and why is her team uniquely qualified to solve the problem.  Often these problems are about removing friction to allow clients to take charge of their financial future.  By breaking down all types of barriers, Sunayna and her team are innovating in ways that are core to what we hear from most FinTech entrepreneurs, even within the context of a large organization.  As a reminder, nothing said in this or any other episode is investment, legal, or any other advice of any kind.