Pinkert established a donor advised fund at Schwab, allowing him to take current year tax deductions for charitable donations that were not distributed until later. He sued Schwab for charging excessive fees to the fund and for mismanaging it, both of which decreased the amounts ultimately distributed to charities. This decision holds that Pinkert lacked Article III standing as he suffered no concrete injury from Schwab’s allegedly wrongful conduct. He had not suffered and alleged no facts to show that he would suffer in the future by having the contribute more to charity than he otherwise would as a result of Schwab’s actions, and he likewise showed no likelihood his reputation of charitable giving would suffer. When he put money in the fund, he surrendered ownership to it and so suffered no financial injury from the allegedly wrongful conduct. He also retained no right to direct where the money went. He could only “advise” Schwab where he thought it ought to go, and he did not allege that Schwab refused to listen to his advice.