In spite of the National Bureau of Economic Research having recently declared that the recession ended in June of 2009, long-term investor confidence in the market remains skittish. Investor concerns can be evidenced in the data released by the Investment Company Institute, $57 billion was withdrawn from U.S. stock mutual funds between May and August of 2010 while at the same time $590 billion was invested in bond funds as investors, frustrated by continued market uncertainties, sought safe harbor. During this malaise, as investors seek information and guidance that will help them in managing their portfolios and in assessing strategies to reach their personal financial goals instilling confidence in the financial services industry would be beneficial.