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Financial advisors face difficult times. The volatile market conditions force advisors to work much harder to retain their client's business, while clients demand better service levels from their financial services firms. Many clients are much better informed these days and have access to real-time information wherever they are. Mobile phones, especially in their latest incarnations, have changed the way many consumers interact with one other. Receiving and sending e-mails from a mobile phone is common practice, and many consumers use their mobile phones for getting directions, searching for restaurants, or shopping on websites like Amazon.com. In November 2008, TD Ameritrade started offering its clients mobile trading applications for their Apple iPhone and iPod touch.
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