Important Notes About the Content of this Page
The articles posted on this page are the opinions, expressed over time, of each author. They do not necessarily reflect the collective view or official position of Target Date Analytics LLC on any given topic. These articles were written for and published in a variety of publications, newsletters, journals, magazines, newspapers, blogs, etc. Each of these publications has its own target audience with a wide range of financial sophistication and interest. As such, the articles posted below reflect the concerns and interest of those different target audiences and are not necessarily appropriate for all readers. For example, an article posted in a sophisticated financial journal may engage in an evolving, academic dialogue or interchange between opposing views of appropriate investment risk and potential return. It is expected that the positions taken in this dialogue will mature and evolve over time. Therefore, no single article posted on this page should be taken as the final conclusive position on a given topic. Readers are cautioned against using the examples reported in these articles as investment advice.

We post these articles because we believe they contribute to the global discussion taking place about appropriate and inappropriate strategies for managing assets over the several phases of investors' lives. We certainly believe the articles we post have value to this dialogue and to our reading public, and we do not mean to imply the articles posted here are not well-considered. We simply mean to caution readers against using these articles and the opinions expressed in them, for purposes other than those intended by the authors.

We encourage comments, opposing or supporting views, and questions. Readers interested in commenting on or questioning the positions taken in the articles should address their correspondence either to the specific individual or individuals responsible for the article or to . Please be sure to reference the full name of the article in your email subject. We make every effort to respond to all such correspondence; however, due to the occasionally heavy volume we cannot promise to respond to every email.

The various publications in which these articles originally appeared have different editorial and disclosure standards. However, all readers should note that nothing in these articles should be taken as investment advice. Historical investment returns are backward looking; they reflect the past and do not indicate guarantees or even safe assumptions about future investment returns.

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