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Ron Surz

@RonSurz

Ron Surz is president of PPCA Inc and its DBA Target Date Solutions. He co-hosts the Baby Boomer Investing Show and provides interactive education at Age Sage

 San Clemente, California
ppca-inc.com
Joined June 2011
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Photo by Ron Surz (@RonSurz)
There's a lot of confusion around managed accounts in 401(k) plans that are not actually managed. Check out the latest article in my newsletter: Unmanaged QDIA Managed Accounts linkedin.com/pulse/unmanaged… via @LinkedIn
Unmanaged QDIA Managed Accounts

Unmanaged QDIA Managed Accounts

The definition of managed account is “an investment service where a financial expert oversees assets on your behalf, where you set the financial goals and risk level, and the manager makes daily...

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Check out the latest article in my newsletter: Implications of New Market Highs linkedin.com/pulse/implicati… via @LinkedIn
Implications of New Market Highs

Implications of New Market Highs

Should Baby Boomers Hop On or Off? I Say Off. Better Safe Than Sorry.

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Check out the latest article in my newsletter: Baby Boomer TDF Devastation Ahead linkedin.com/pulse/baby-boom… via @LinkedIn
Baby Boomer TDF Devastation Ahead

Baby Boomer TDF Devastation Ahead

· Target Date Funds (TDFs) maintain high risk allocations near retirement, with 85% in risky assets despite current stock market threats. Baby boomers in TDFs are in serious danger but won’t know it...

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Rich people don't realize the risk they're taking,yet. This Message is for Rich People Only: Abandon Your QDIA! 401kspecialistmag.com/this-m… via @401kspecmag
Near Retirement? Ron Surz Warns Wealthy Savers on QDIA Risk

Near Retirement? Ron Surz Warns Wealthy Savers on QDIA Risk

Ron Surz says rich people near retirement need to protect themselves now by abandoning their QDIA before the next market crash

401kspecialistmag.com
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Like good music? A heartfelt story? Listen to Kathy’s Song. And See Other Self-actualizations for Women linkedin.com/pulse/kathys-so…
Kathy’s Song And Other Self-actualizations for Women

Kathy’s Song And Other Self-actualizations for Women

My sister Kathy Tarochione has been ill but that hasn’t lessened her passion and creativity. Kathy is amazingly resilient and talented.

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Check out the latest article in my newsletter: Lifetime Investing Path Leads to Retirement With Dignity linkedin.com/pulse/lifetime-… via @LinkedIn
Lifetime Investing Path Leads to Retirement With Dignity

Lifetime Investing Path Leads to Retirement With Dignity

Be safe near retirement. · At $5 trillion and growing, target date funds (TDFs) dominate 401(k) assets but expose near-retirees to excessive risk during the critical Retirement Risk Zone.

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Check out the latest article in my newsletter: Here’s How to Get on the Enlightened Path to Retirement with Dignity linkedin.com/pulse/heres-how… via @LinkedIn
Here’s How to Get on the Enlightened Path to Retirement with Dignity

Here’s How to Get on the Enlightened Path to Retirement with Dignity

Highly educated academics have researched the best lifetime investing path. Are you on it? Here’s the research: Lifetime Financial Advice: Human Capital, Asset Allocation, and Insurance, 4/1/2007,...

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Journaling Never Spoke Back to Me. My Golden Story Songs Do.

Journaling Never Spoke Back to Me. My Golden Story Songs Do.

Article · @KathyTarochione
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I’m 79, On Oxygen, and I Found My Way Back to Myself in 20 Seconds

I’m 79, On Oxygen, and I Found My Way Back to Myself in 20 Seconds

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The Golden Babe (@KathyTarochione) profile pictureThe Golden Babe
@KathyTarochioneJan 26
When was the last time someone really saw you? Not what you do for them. Not what you used to be. YOU. Right now. If you had to think about it… you’re not alone. ✍️I’ll be sharing what I do in the next few days when I submit my @XCreators Article on @X
Image from The Golden Babe (@KathyTarochione)
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When was the last time someone really saw you? Not what you do for them. Not what you used to be. YOU. Right now. If you had to think about it… you’re not alone. ✍️I’ll be sharing what I do in the next few days when I submit my @XCreators Article on @X
Image from The Golden Babe (@KathyTarochione)
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Check out the latest article in my newsletter: The Disconnect Between TDF Theory and Practice linkedin.com/pulse/disconnec… via @LinkedIn
The Disconnect Between TDF Theory and Practice

The Disconnect Between TDF Theory and Practice

The next stock market crash will reveal the dilemma in target date funds (TDFs). High risk near retirement will devastate millions of baby boomers in TDFs.

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Check out the latest article in my newsletter: Smart Investment Lifepaths Lead to Retirement With Dignity linkedin.com/pulse/smart-inv… via @LinkedIn
Smart Investment Lifepaths Lead to Retirement With Dignity

Smart Investment Lifepaths Lead to Retirement With Dignity

Extensive academic research establishes smart paths to retirement with dignity. We’ve developed Soteria to implement this research.

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Smarter, Safer Retirement Investing in 2026, Especially for Baby Boomers. linkedin.com/pulse/smarter-s… Retirement investing can and should improve. Here's how.
Smarter, Safer Retirement Investing in 2026, Especially for Baby Boomers.

Smarter, Safer Retirement Investing in 2026, Especially for Baby Boomers.

We are excited to share our lifetime investing advancement with you that we call Soteria, the goddess of deliverance from harm. Please visit our website for a tour.

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advisorperspectives.com/arti…
High Earnings Growth Does Not Justify High Price/Earnings

High Earnings Growth Does Not Justify High Price/Earnings

I’ve been reading a lot lately that the stock market is priced just right because earnings growth is expected to be high, growing at double digits. But earnings growth is not the sole determinant of...

advisorperspectives.com
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Check out the latest article in my newsletter: Short Term Interest Rates Could Decline Another 100 Basis Points linkedin.com/pulse/short-ter… via @LinkedIn
Short Term Interest Rates Could Decline Another 100 Basis Points

Short Term Interest Rates Could Decline Another 100 Basis Points

· Short-term Treasury yields remain 100 basis points above historic norms, suggesting room for further declines if inflation remains near 2.5%.

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Personalized Investment Models For Retirement Plans And IRAs talkmarkets.com/content/pers…
Personalized Investment Models For Retirement Plans And IRAs

Personalized Investment Models For Retirement Plans And IRAs

Target date funds (TDFs) need modernization, as their set-it-and-forget-it approach limits participant engagement and most TDFs expose investors to excessive risk near retirement.

talkmarkets.com
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Gold Glitters as a Hedge Against a Stock Market Crash 401kspecialistmag.com/gold-g… via @401kspecmag
Gold Seen as Key Hedge as Surz Urges Boomers to Cut Risk

Gold Seen as Key Hedge as Surz Urges Boomers to Cut Risk

Gold Glitters as a hedge against a stock market crash, as Ron Surz reminds Boomers not to risk their savings at this critical time

401kspecialistmag.com
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The $4 trillion target date fund industry could be much better. Success of the U-shaped TDF Glidepath 401kspecialistmag.com/succes… via @401kspecmag
Early Results Highlight Success of U-Shaped TDF Glidepath

Early Results Highlight Success of U-Shaped TDF Glidepath

Success of the U-shaped TDF glidepath: Ron Surz says early results for U-shaped glide path are now in, and they are very promising

401kspecialistmag.com
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Check out the latest article in my newsletter: Trailblazing Target Date Fund Innovations That Challenge the Oligopoly linkedin.com/pulse/trailblaz… via @LinkedIn
Trailblazing Target Date Fund Innovations That Challenge the Oligopoly

Trailblazing Target Date Fund Innovations That Challenge the Oligopoly

“Me too” target date funds (TDFs) are languishing in obscurity against the oligopoly that manages two-thirds of the $4 trillion TDF market. To compete you need to innovate toward better participant...

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