In Episode 2 of Invisible Threat, Carter Wilcoxson and Dr. Matthew Eby slow down to examine something that usually happens beneath the surface: how judgment forms before a decision is ever made.

What begins as a conversation about podcast structure becomes a live example of the very dynamic this show exists to explore. Questions of roles, ownership, expertise, and risk surface in real time, revealing how well-intentioned people can view the same situation differently without anyone being wrong.

Rather than resolving the tension quickly, Carter and Dr. Matt make it visible, demonstrating how disagreement can serve as information rather than conflict.

This episode marks a turning point in the series, showing listeners not just what fiduciary judgment is, but how it emerges in practice.

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🔑 In This Episode

• A real-time example of judgment forming under uncertainty
  
  
• How roles and responsibility shape perspective
  
  
• Why disagreement isn’t failure, but data
  
  
• What it looks like to pause before certainty sets in

In the inaugural episode of Invisible Threat, Carter Wilcoxson, Founder and CEO of ePIC Services Company, and Dr. Matthew Eby, founder of Nth Degree Financial Solutions and co-author of The Invisible Threat, introduce the ideas, experiences, and responsibility behind the podcast.

They share how their professional paths first crossed, how the trust and fiduciary industry has evolved, and why judgment has become one of the most overlooked risks in decision-making today.

Dr. Matt reflects on the doctoral research that led to the creation of Invisible Threat, revealing how disagreement arises when capable, well-intentioned professionals interpret the same facts differently. Rather than treating disagreement as failure, this conversation reframes it as valuable information.

This episode sets the foundation for the series and introduces a core theme of the podcast:
disagreement is diagnostic, not divisive.

If you’ve ever left a boardroom or committee meeting feeling uncertain about how a decision was reached, this conversation is for you.

Follow Invisible Threat wherever you get your podcasts to stay with us as the conversation continues.

🔑 In This Episode

• How Carter Wilcoxson and Dr. Matthew Eby first connected
• Why judgment matters more as traditional rules fall away
• What happens when experienced decision-makers disagree
• How unseen judgment can quietly shape outcomes

Most fiduciary failures don’t come from reckless decisions.
They come from judgments that once felt obvious.

In this trailer for Invisible Threat, Carter Wilcoxson and Dr. Matthew Eby introduce the core premise of the podcast: that the greatest exposure in fiduciary work isn’t discretion, it’s unexamined certainty.

As conditions change, judgment can quietly settle into assumptions no one thinks to question, especially when it sounds like authority, experience, or tradition. This is the space where interpretation replaces intent and risk begins to form.

Invisible Threat exists to examine those moments, before confidence hardens into exposure.

Follow Invisible Threat wherever you get your podcasts.