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            Retirement insights

            Celebrating 20 years of SmartRetirement

            Ove Fladberg , Daniel Oldroyd, CAIA, CFA , Jake Recker, CFA
            Published: 11/17/2025

            Two decades of building smart retirement solutions

            Leveraging decades of specialized multi-asset-class portfolio management expertise, we applied outcome-based modeling to create a strategy grounded in a simple philosophy: help as many participants as possible safely cross the retirement finish line. The result? An institutional-quality portfolio grounded in real-world participant behaviors and built on rigorous research that carefully balances risk and return, especially when participants are most vulnerable.

            Key takeaways
            #1 Designed for Real-World Participants SmartRetirement’s philosophy centers on participants safely reaching their retirement goals.
            #2 Grounded in Rigorous Research Every aspect of SmartRetirement is informed by proprietary research into participant behavior, retirement spending and long-term market trends.
            #3 Proven Results Over 20 Years SmartRetirement aims to help participants navigate changing market environments and pursue resilient, risk-adjusted returns over time.

            About the Authors

            Latest Team Articles

            Active fixed income hits the mark in target date funds
            August 13, 2026 Ove Fladberg , Jake Recker, CFA
            Preparing defined contribution plans for a new era of shifting risks
            January 21, 2026 Ove Fladberg
            The future of DC plans: Key trends for 2025 and beyond
            December 13, 2024 Daniel Oldroyd, CAIA, CFA
            • Defined Contribution
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