William Bernstein, Ph.D., M.D., has become a grassroots hero to independent investors everywhere. He has made a name for himself by questioning the value of Wall Street wisdom, skewering the recommendations of self-serving stockbrokers, and showing legions of investors how to successfully manage their own investments with intelligence and long-term vision. Bernstein is the author of "The Intelligent Asset Allocator", editor of the quarterly asset allocation journal "Efficient Frontier", " "founder of the popular website EfficientFrontier.com, and a principal in Efficient Frontier Advisors. He