Financial innovation is back and Wall Street soon to be hiring, in a different way, we won't be working to maximise edging profits only but use innovation to secure the small investor's assets.

Funds to benefit from the tax credit will have a maximum amount by law, any firm will have a maximum of this type of funds under management, we may also see deposits to be made through FDIC insured banks and funds managed by Wall Street firms to make sure we maximise the spread, create new companies and jobs.

On the innovation front, to offer capital security for small savers, we'll be working on baskets, treasury bills, bonds, municipal bonds (yield), equities, etf's.....