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A new financial architecture is forming underneath the world's largest pools of capital. The winners will be those who recognize that standards built now will define economic value transfer for a generation.

Our annual list of the 25 top leaders in finance include three newcomers this year.

Duckett, who's on a mission to help Americans save for retirement, said that "guaranteed income isn't a luxury, it's a necessity."

A longtime focus on alternative investments positioned this asset-management heir to benefit from the recent surge of consumer interest in crypto and a relaxed regulatory regime.

With a shift toward financial-planning advice and banking, the brokerage-house leader hopes to grow her firm faster.

Marrs runs Amex's second largest business by revenue and card member spending.

Despite being in the industry for 25 years, Marcelli still wakes up in the middle of the night to jot down ideas.

Milrod, a champion of innovation, has strengthened State Street's position in the digital assets space, including securing three of the 11 Bitcoin and Ethereum ETFs launched this year.

Fogarty, who was promoted to chief operating officer of investment services in July, leads the firm's largest business unit.

The imperative is to keep one eye on the business, and the other eye on talent. The former is fed by the latter.