There are forces that quietly and invisibly shape fiduciary judgment when rules alone are no
longer sufficient to determine responsibility.
The Invisible Threat podcast is hosted by Carter Wilcoxson, Founder and CEO of ePIC
Services Company, and Dr. Matthew Eby, Founder of Nth Degree Financial Solutions, a
doctorally trained fiduciary researcher and co-author, with his wife Joanne, of The Invisible
Threat: A Professional Fiduciary’s Guide to Unseen Challenges in Wealth Management.
The podcast explores what happens when professionals trained to rely on traditional rules are
required to interpret duty, discretion, and responsibility in complex situations—often without
realizing that what is required in those situations has changed.
Through fiduciary scenarios drawn from real-world situations, the podcast examines how
judgment is formed—before anyone is aware of it—inside moments of uncertainty where
interpretation carries real consequences.
To make judgment visible, the podcast draws on the AFIRE™ Compass, a research-backed
framework that examines how Anchors, Fairness, Identity, Risk, and Emotion influence
fiduciary judgment in today’s fiduciary industry.
Designed for trust officers, administrators, advisors, and other fiduciary professionals, the
podcast treats disagreement and uncertainty not as failure, but as diagnostic—revealing how
unseen assumptions shape responsibility long before outcomes are documented.
