Part One is meant to give readers the confidence to question expert opinion and to believe in the power of systematic decision-making. Part Two outlines how individuals, armed with evidence-based models and the discipline to follow these models, can beat the experts. Part Two begins with an outline for why a do-it-yourself approach to investing makes sense. Chapters 6, 7, and 8 are dedicated to outlining ways in which a DIY Financial Advisor can build a fully integrated retirement portfolio after considering asset allocation, risk-management, and security selection elements. Chapter 9 provides an overview of how to formulate a reasonable do-it-yourself solution. Finally, in Chapter 10 we end Part Two with a discussion of why we are actually unlikely to implement a do-it-yourself solution, even though it is probably the rational way to invest our hard-earned wealth.