The leading independent source of detailed information on target date theory, design, and analysis, Target Date Analytics LLC (TDA) specializes in target date indexes for reporting clarity and glide path licensing. TDA created and maintains the BrightScope On Target Indexes (OTI). TDA is the sub-advisor to the Hand Benefits & Trust SMART Funds®, a series of target date collective investment trusts, based on the OTI. Target Date Analytics is the home of "Popping the Hood," a recurring and comprehensive analysis of target date fund families. TDA also consults plan sponsors, advisors, and fund companies on glide path design and allocation, and assists with the creation of custom target date solutions. For more information on TDA, visit www.ontargetindex.com.

AARP is a nonprofit, nonpartisan organization, with a membership of more than 37 million, that helps people 50+ have independence, choice and control in ways that are beneficial to them and society as a whole. AARP does not endorse candidates for public office or make contributions to either political campaigns or candidates. The AARP Personal Fee Report is powered by BrightScope. For more information on AARP, visit www.aarp.org.

Personal Capital is a Redwood City, CA-based startup that offers a full suite of customer-centric retail investment management, banking and personal finance services. Bringing wealth management into the internet age, Personal Capital gives individuals with complex financial lives a better way to manage their money. For more information on Personal Capital, visit www.personalcapital.com.