18. Tobin McDaniel
He bears a resemblance to Benedict Cumberbatch, but Tobin McDaniel’s efforts to sleuth a path ahead for Schwab’s digital offerings is no feat of magic. Schwab is methodically building up its digital-only, institutional and hybrid offerings, and in short period is now second only to Vanguard in the digital AUM race. McDaniel staunchly believes the model will only benefit advisors, introducing the concept of financial advice to more clients. Looking ahead, he sees work being done to personalize digital messaging between clients and advisors.