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.