"We were told to trust these institutions, and we did," says Mitch Tuchman. "We trusted Madoff. We trusted AIG. And now we've lost most of our life savings." Tuchman, though, is not an angry victim of some Ponzi scheme or shady subprime lender. To the contrary, the former hedge-fund manager is trying to be part of the solution, starting a company whose goal is to upend the trillion-dollar mutual-fund market by offering cheap, no-nonsense investment advice.