Two Key Concepts for Wealth Management and Beyond

Write a review of the following article:
Reichenstein, W., Horan, S. M., & Jennings, W. W. (2012). Two Key Concepts for Wealth Management and Beyond. Financial Analysts Journal, 68(1), 14-22.
In your own words explain the key points that the author was trying to communicate. Your review should be at least one page not counting the title or reference pages.