Oh, hi again. This week, I bounced between conferences, and I’m still soaking everything in. One panel, though, stuck with me long after it ended. It was a conversation about DIY investing that got at how quickly the rules of money are changing. Let’s dive in.

Dangers of DIY

The financial industry has made it easier than ever to invest. You can buy a stock from your phone, purchase fractional shares with a small amount of money, and find endless advice online in seconds.

That was one of the clearest themes to come out of a panel this week at a conference held by the Ontario Securities Commission. Across the conversation, panelists kept returning to the same tension: Investors have more access, more tools and more information than…