Delivering academic insight into the hidden risks, costs, and inefficiencies of financial services and products marketed by the banking, brokerage, and insurance industries; assisting stewards of fiduciary assets (foundations & endowments, personal trusts, pension plans, and charitable funds) in performing their fiduciary roles with excellence; and providing fee-only, competent, ethical, and highly personalized comprehensive financial planning, portfolio management, and trust services to the public.