1. Tom Idzorek, CFA, is chief investment officer and director of research as well as a member of the Investment Policy Committee at Ibbotson Associates, Inc., a wholly owned subsidiary of Morningstar. Previously, Mr. Idzorek was senior quantitative researcher at Zephyr Associates. His areas of expertise include strategic asset allocation, tactical (dynamic) asset allocation, and fund-of-funds optimization. Mr. Idzorek holds a bachelor’s degree from Arizona State University and a master’s degree in business...