Ron Surz is no fan of the target date fund landscape. 

Surz, RIA, former rocket scientist and one-time senior vice president at pension consultant A.G. Becker, thinks the lion's share of TDF options carry far too much equity risk at the end of glide paths, and charge 401(k) plan participants far too much in fees. 

These days, he's the president of Target Date Solutions, an Orange County-based consultancy that has patented a target date allocation model, branded as Safe Landing Glide Path. 

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Nick Thornton

Nick Thornton is a financial writer covering retirement and health care issues for BenefitsPRO and ALM Media. He greatly enjoys learning from the vast minds in the legal, academic, advisory and money management communities when covering the retirement space. He's also written on international marketing trends, financial institution risk management, defense and energy issues, the restaurant industry in New York City, surfing, cigars, rum, travel, and fishing. When not writing, he's pushing into some land or water.