Research Reports

Research, correspondence, and publications from Equity Risk Sciences documenting the standard of care for investment fiduciaries.

Quantifying the Standard of Care

February 2026 PDF • 105 pages

The Scientific Standard of Demonstrable Evidence for Investment Fiduciaries. A regulatory white paper documenting the gap between the standard the SEC has articulated and the standard the industry actually practices — and proposing that the gap be closed using data science tools that exist today.

Letter to the SEC: Ten Proposed Reforms to Strengthen Investor Protection

July 24, 2025 PDF • 12-page letter + 11 exhibits

A formal proposal to the Securities and Exchange Commission presenting ten concrete reforms to enhance the regulatory framework governing Registered Investment Advisors — including mandatory risk disclosure, bond-alternative analysis, and professional track record requirements — supported by 11 exhibits documenting 25 years of evidence.

Forbes Feature: High-Risk vs. Low-Risk Stock Picks

May 27, 2020 Article & One-Year Review

In May 2020, Forbes asked ERS founder Raymond Mullaney to name one high-risk and one low-risk stock. He identified Bristol-Myers as high risk and BorgWarner as low risk. One year later, BorgWarner was up 58%, the S&P 500 was up 38%, and Bristol-Myers was up just 9%.

SEC Correspondence: GE & Cisco Earnings Concerns

October 2000 Letter

In 2000, Raymond Mullaney contacted the Securities and Exchange Commission to raise concerns about potentially misleading earnings presentations by General Electric and Cisco Systems. Within two years of the correspondence, Cisco lost 83% of its value and GE lost 62% — erasing over two-thirds of a trillion dollars in combined market capitalization.

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