Target Date Funds Are Destroying Retirements - Here's The Fix Fiduciaries Don't Want You To Know

A Critical Solution for Fiduciaries, Plan Sponsors, and Recordkeepers: Traditional Target Date Funds (TDFs) are fatally flawed, exposing participants to unacceptable Sequence of Return Risk (SoRR) during the critical Retirement Risk Zone (the 10 years spanning retirement). This systematic failure creates substantial ERISA fiduciary liability for employers who default participants into such risky investments.

Watch this demo to see how Soteria Personalized Target Date Accounts (PTDAs), a disruptive Software-as-a-Service (SaaS), replaces outdated QDIAs and delivers true structural safety.

The Superior, Prudent Investment Model

Patented Safety (SLGP): Soteria's engine utilizes the patented Safe Landing Glide Path® (SLGP). This U-shaped glide path mandates a severe de-risking near retirement to achieve a "safe landing," explicitly managing SoRR—a strategy supported by academics like Kitces and Pfau.

Disruptive Value: Soteria delivers superior personalization and safety at an aggressive price point, with all-in costs below 20 basis points (bps), significantly undercutting high-fee Managed Accounts.

Fiduciary Defense: Soteria provides objective evidence of continuous vigilance through automated, daily batch processing triggered by participant life events (like birthdays). This operational prudence helps mitigate administrative fiduciary risk, a critical factor highlighted in recent cybertheft lawsuits against recordkeepers.

Investment Flexibility: Fiduciaries gain the ability to "plug their investment choices" into the software, ensuring the use of "best of breed investments" rather than being restricted to proprietary funds.

Soteria is designed to fulfill the fiduciary duty to protect participants and correct the "one-size-fits-all shortcoming" of conventional TDFs.

Request A Free Trial & Consultation: https://babyboomerinvesting.show/soteria

Contact Ron Surz, President of Target Date Solutions: Email: Ron@TargetDateSolutions.com Phone: (949)488-8339