Founder and Chair – LMFC
Vice Chair – LMFC
President and CEO – LMFC
President & CEO – The Bank of Holland
SVP of Shared Services - LMFC
Regular readers of this blog know we believe demographic factors have a larger impact on our economy and economic growth than many acknowledge.  Baby Boomers are on the downward slope of the consumer life cycle. Their spending habits have provided economic tailwinds since the 1960's.  Their impending decline in consumer spending will inevitably create some headwinds however; the real danger lies in an expectations gap - not the slower GDP growth.
The attached technical piece described demographic trends around the world and should be considered as we think about our growth options in the months and years ahead. 
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