D. Don Ezra & Bob Collie 
The Retirement Plan Solution 
The Reinvention of Defined Contribution

Praise For The Retirement Plan Solution

‘Short, clear, complete, and always interesting. Best book on DC
plans and what we should do-now.’

–Charles D. Ellis, author, Winning the Loser’s
Game

‘At a time when the world is in turmoil, along with retirement
expectations, the authors have hit a home run. After reading this
book, I have a plan. Read it for your path to retirement
security.’

–Dallas Salisbury, President and CEO, Employee Benefit
Research Institute

‘The Retirement Plan Solution offers a refreshing and
provocative perspective on how to assess retirement needs, save to
meet these needs, and manage the retirement payout process. In this
time of financial turmoil, employees, plan sponsors, and financial
advisors will find this highly practical resource volume both
useful and humorous.’

–Olivia S. Mitchell, Director, Pension Research
Council, Wharton School

‘The Retirement Plan Solution is a map to the future of
401(k) retirement plans. But it is not just a theoretical view of
what could be. Instead, the authors describe the needs and trends
that are already here, and then describe the changes that are
developing to meet those needs. It is about the tomorrow that is
happening today.’

–Fred Reish, Managing Director, Reish Luftman Reicher
& Cohen

‘The respected authors have created a readable, timely, and very
helpful book on all aspects of retirement planning. The suggestions
are practical, the information is concise, and the book is highly
recommended for anyone that is interested in sound financial
planning.’

–Moshe A. Milevsky, Ph D, Finance Professor, York
University, Toronto, Canada

‘This is a must-read for people working in the retirement
industry, as well as those who simply care about how to improve
their chance of reaching a financially secure retirement. In a
clear and simple fashion, the authors deliver one of the best books
to date on inefficiencies in the current DC plan and potential
improvements.’

–Peng Chen, President, Ibbotson Associates

About the author

Don Ezra is a widely published author. He has won a Graham
and Dodd Award from the Financial Analysts Journal, the Roger
Murray Prize from the Q Group in the United States, and the
Lillywhite Award of the Employee Benefit Research Institute ‘for
extraordinary life contributions to Americans’ economic security.’

Bob Collie has been working with defined benefit and
defined contribution plans in the United Kingdom and United States
for more than twenty years, playing at different times the role of
actuary, investment consultant, and strategist.

Matthew X. Smith has been involved with the design,
implemen-tation, administration, consultation to, and asset
management of defined contribution plans for over twenty-five
years. He has also written and spoken widely on defined
contribution topics.