The Strait of Hormuz is a narrow, 21-mile-wide stretch of water in the Middle East. History tells us its name comes from the ancient Persian god of wisdom and order.

Many investors pair a target date fund with additional equity-focused funds, unintentionally undermining the very purpose of the target date strategy. Target date funds are designed to manage risk automatically based on a specific time horizon, gradually adjusting the allocation as retirement approaches.

Many investors pair a target date fund with additional equity-focused funds, unintentionally undermining the very purpose of the target date strategy. Target date funds are designed to manage risk automatically based on a specific time horizon, gradually adjusting the allocation as retirement approaches.

It was 7 pm this past Sunday when our plane began its approach into Cleveland. The sky outside was dark and cold, with a wintry mix streaking past the window.

Most people have never heard of John Boyd, even though he was one of the greatest fighter pilots in U.S. history. His nickname was “40-Second Boyd” because he could beat any opponent in a dogfight in less than 40 seconds.