Ryan Darwish, MBA, CFP®, CLU, ChFC, is a Fee-Only Registered Investment Advisor. Independence and objectivity are the cornerstones of his practice. He has been professionally engaged as an investment manager and financial planner for over 20 years. A more complete biographical, and practice description can be found at www.ryandarwish.com. He is the author of The Emperor's Clothes: A Look at the Megatrends Affecting Your Financial and Investment Decisions. Published February 2007, this work accurately discussed much of what was to occur in global financial crisis of the following several years.