Jay Clayton co-authored an op-ed with John Hope Bryant for American Banker providing suggestions for how to make investing more inclusive. He writes that the barriers to entry are well known: the lack of financial education in secondary schools, limited opportunities for exposure to personal financial analysis and decision making, and a fear of being taken advantage of by those who know more about financial markets. He suggests the solution is to connect people early and make education a key part of financial access, ultimately benefitting all by enabling better long term financial planning.