Depending on which research you look at, some 90-95% of the nations wealth resides with just the top 1-3% of the population. So the case is clear right? Spend development resources on creating systems tailored to the wealthy. Not so fast. With the change in the regulatory environment many intuitions expanded their product offerings in the hopes of being the one stop financial supermarket. Recently, we are seeing that many of the wealthy clients are not consolidating their, investment, insurance, and traditional banking activity. They are instead using the vast array of on and off-line resources to effectively pick and choose their products from in some cases a different institution for each product. Only by diligent customer analysis and effective product development can institutions be assured that what they are investing to capture these relationships is really what they are getting.