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a living person</a> <b>needs additional <a href="/wiki/Wikipedia:Citing_sources" title="Wikipedia:Citing sources">citations</a> for <a href="/wiki/Wikipedia:Verifiability" title="Wikipedia:Verifiability">verification</a></b>.<span class="hide-when-compact"> Please help by adding <a href="/wiki/Wikipedia:Reliable_sources" title="Wikipedia:Reliable sources">reliable sources</a>. <a href="/wiki/Wikipedia:Biographies_of_living_persons#Remove_contentious_material_that_is_unsourced_or_poorly_sourced" title="Wikipedia:Biographies of living persons">Contentious material</a> about living persons that is unsourced or <a href="/wiki/Wikipedia:Reliable_sources#Questionable_and_self-published_sources" title="Wikipedia:Reliable sources">poorly sourced</a> <b>must be removed immediately</b> from the article and its talk page, especially if potentially <a href="/wiki/Wikipedia:Libel" title="Wikipedia:Libel">libelous</a>.<br /><small><span class="plainlinks"><i>Find sources:</i> <a rel="nofollow" class="external text" href="https://www.google.com/search?as_eq=wikipedia&q=%22Harold+Evensky%22">"Harold Evensky"</a> – <a rel="nofollow" class="external text" href="https://www.google.com/search?tbm=nws&q=%22Harold+Evensky%22+-wikipedia&tbs=ar:1">news</a> <b>·</b> <a rel="nofollow" class="external text" href="https://www.google.com/search?&q=%22Harold+Evensky%22&tbs=bkt:s&tbm=bks">newspapers</a> <b>·</b> <a rel="nofollow" class="external text" href="https://www.google.com/search?tbs=bks:1&q=%22Harold+Evensky%22+-wikipedia">books</a> <b>·</b> <a rel="nofollow" class="external text" href="https://scholar.google.com/scholar?q=%22Harold+Evensky%22">scholar</a> <b>·</b> <a rel="nofollow" class="external text" href="https://www.jstor.org/action/doBasicSearch?Query=%22Harold+Evensky%22&acc=on&wc=on">JSTOR</a></span></small></span> <span class="date-container"><i>(<span class="date">April 2019</span>)</i></span><span class="hide-when-compact"><i> (<small><a href="/wiki/Help:Maintenance_template_removal" title="Help:Maintenance template removal">Learn how and when to remove this message</a></small>)</i></span></div></td></tr></tbody></table> <div class="shortdescription nomobile noexcerpt noprint searchaux" style="display:none">American businessman and writer</div> <style data-mw-deduplicate="TemplateStyles:r1257001546">.mw-parser-output .infobox-subbox{padding:0;border:none;margin:-3px;width:auto;min-width:100%;font-size:100%;clear:none;float:none;background-color:transparent}.mw-parser-output .infobox-3cols-child{margin:auto}.mw-parser-output .infobox .navbar{font-size:100%}@media screen{html.skin-theme-clientpref-night .mw-parser-output .infobox-full-data:not(.notheme)>div:not(.notheme)[style]{background:#1f1f23!important;color:#f8f9fa}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .infobox-full-data:not(.notheme) div:not(.notheme){background:#1f1f23!important;color:#f8f9fa}}@media(min-width:640px){body.skin--responsive .mw-parser-output .infobox-table{display:table!important}body.skin--responsive .mw-parser-output .infobox-table>caption{display:table-caption!important}body.skin--responsive .mw-parser-output .infobox-table>tbody{display:table-row-group}body.skin--responsive .mw-parser-output .infobox-table tr{display:table-row!important}body.skin--responsive .mw-parser-output .infobox-table th,body.skin--responsive .mw-parser-output .infobox-table td{padding-left:inherit;padding-right:inherit}}</style><table class="infobox biography vcard"><tbody><tr><th colspan="2" class="infobox-above" style="font-size:125%;"><div class="fn">Harold Evensky</div></th></tr><tr><th scope="row" class="infobox-label">Born</th><td class="infobox-data">September 9, 1942<br /><div style="display:inline" class="birthplace"><a href="/wiki/Memphis,_Tennessee" title="Memphis, Tennessee">Memphis, Tennessee</a></div></td></tr><tr><th scope="row" class="infobox-label">Nationality</th><td class="infobox-data category">American</td></tr><tr><th scope="row" class="infobox-label">Alma mater</th><td class="infobox-data"><a href="/wiki/Cornell_University" title="Cornell University">Cornell University</a></td></tr><tr><th scope="row" class="infobox-label">Occupation(s)</th><td class="infobox-data role">Businessman, civil engineer, financial planner, writer</td></tr></tbody></table> <p><b>Harold Evensky</b> (born September 9, 1942<sup id="cite_ref-1" class="reference"><a href="#cite_note-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup><sup class="noprint Inline-Template noprint noexcerpt Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:NOTRS" class="mw-redirect" title="Wikipedia:NOTRS"><span title="This claim needs references to better sources. (April 2019)">better source needed</span></a></i>]</sup>) is American businessman, civil engineer, financial planner, and writer. He is a <a href="/wiki/Certified_Financial_Planner" title="Certified Financial Planner">Certified Financial Planner</a> (CFP), an Accredited Investment Fiduciary (AIF) and <a href="/wiki/Chairman" class="mw-redirect" title="Chairman">chairman</a> of Evensky & Katz,<sup id="cite_ref-autogenerated1_2-0" class="reference"><a href="#cite_note-autogenerated1-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup> a financial planning firm.<sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup><sup class="noprint Inline-Template" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Verifiability" title="Wikipedia:Verifiability"><span title="The material near this tag failed verification of its source citation(s). (September 2008)">failed verification</span></a></i>]</sup><sup id="cite_ref-autogenerated4_4-0" class="reference"><a href="#cite_note-autogenerated4-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="Biography">Biography</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Harold_Evensky&action=edit&section=1" title="Edit section: Biography"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Born in <a href="/wiki/Memphis,_Tennessee" title="Memphis, Tennessee">Memphis, Tennessee</a>, Evensky moved to <a href="/wiki/New_Orleans" title="New Orleans">New Orleans</a> with his family at age four. After earning a Bachelor of Civil Engineering and a Masters of Science from <a href="/wiki/Cornell_University" title="Cornell University">Cornell University</a>,<sup id="cite_ref-autogenerated4_4-1" class="reference"><a href="#cite_note-autogenerated4-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> he worked as an engineer and builder in Louisiana, Ohio, and Florida, before becoming a financial adviser. </p><p>After some time as a <a href="/wiki/Vice_president" title="Vice president">vice president</a> of investments for <a href="/wiki/Bache_%26_Co." title="Bache & Co.">Bache & Co.</a> (later acquired by <a href="/wiki/Prudential_Financial" title="Prudential Financial">Prudential Financial</a>) and <a href="/wiki/Drexel_Burnham_Lambert" title="Drexel Burnham Lambert">Drexel Burnham Lambert</a>,<sup id="cite_ref-depts.ttu.edu_5-0" class="reference"><a href="#cite_note-depts.ttu.edu-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> he and his cousin Peter Brown opened up a private practice in 1986 under the name Evensky & Brown. In 1990, Chicago-based financial adviser Deena Katz merged her practice to form Evensky, Brown & Katz, where she served as company <a href="/wiki/Chair_(official)" class="mw-redirect" title="Chair (official)">President</a>.<sup id="cite_ref-6" class="reference"><a href="#cite_note-6"><span class="cite-bracket">[</span>6<span class="cite-bracket">]</span></a></sup> The new firm would go through a number of changes, including joining with partner <a href="/wiki/Robert_Levitt" title="Robert Levitt">Robert Levitt</a>, parting with Levitt some years later,<sup id="cite_ref-7" class="reference"><a href="#cite_note-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup> facing the retirement of co-founder Brown in the early 2000s,<sup id="cite_ref-8" class="reference"><a href="#cite_note-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup> and relaunching the company as Evensky & Katz on its 20th anniversary in 2004. </p> <div class="mw-heading mw-heading2"><h2 id="Financial_planning">Financial planning</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Harold_Evensky&action=edit&section=2" title="Edit section: Financial planning"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Evensky was dubbed the "Dean of Financial Planning"<sup id="cite_ref-9" class="reference"><a href="#cite_note-9"><span class="cite-bracket">[</span>9<span class="cite-bracket">]</span></a></sup> by Don Phillips, CEO of <a href="/wiki/Morningstar,_Inc." title="Morningstar, Inc.">Morningstar</a>.<sup id="cite_ref-10" class="reference"><a href="#cite_note-10"><span class="cite-bracket">[</span>10<span class="cite-bracket">]</span></a></sup> </p><p>Evensky has published books about his "two bucket" cash flow strategy and core and satellite strategy to the profession.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (September 2008)">citation needed</span></a></i>]</sup> He has addressed conferences throughout the United States, Canada, Europe, Australia, Asia, South Africa, and the United Kingdom.<sup id="cite_ref-autogenerated1_2-1" class="reference"><a href="#cite_note-autogenerated1-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup> He has served as a contributing writer for <i><a href="/wiki/Financial_Advisor_Magazine" class="mw-redirect" title="Financial Advisor Magazine">Financial Advisor Magazine</a></i> and <i>The Asian Financial Planning Journal</i>,<sup id="cite_ref-:0_11-0" class="reference"><a href="#cite_note-:0-11"><span class="cite-bracket">[</span>11<span class="cite-bracket">]</span></a></sup> research columnist for the <i>Journal of Financial Planning</i>, and a member of the editorial review board of the <i>Journal of Financial Planning</i>.<sup id="cite_ref-autogenerated1_2-2" class="reference"><a href="#cite_note-autogenerated1-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup> </p><p>Evensky wrote the books <i>Long Term Health Care</i> (1990) and <i>Wealth Management</i> (1996). He has also co-authored <i>The New Wealth Management</i> (2011),<sup id="cite_ref-12" class="reference"><a href="#cite_note-12"><span class="cite-bracket">[</span>12<span class="cite-bracket">]</span></a></sup> a CFA Institute Investment Series text, and <i>Hello Harold</i>, a book for the public.<sup class="noprint Inline-Template" style="margin-left:0.1em; white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Please_clarify" title="Wikipedia:Please clarify"><span title="(April 2019)">clarification needed</span></a></i>]</sup> He has also co-edited two books with his business partner and wife, Deena Katz, titled <i>The Investment Think Tank: Theory, Strategy, and Practice For Advisers</i> (2004)<sup id="cite_ref-13" class="reference"><a href="#cite_note-13"><span class="cite-bracket">[</span>13<span class="cite-bracket">]</span></a></sup> and <i>Retirement Income Redesigned: Master Plans for Distribution</i> (2006)<sup id="cite_ref-14" class="reference"><a href="#cite_note-14"><span class="cite-bracket">[</span>14<span class="cite-bracket">]</span></a></sup> where he also wrote a chapter for each. </p><p>Evensky has served on a number of different financial advisory boards, including as chairperson of the <i><a href="/wiki/TIAA-CREF" class="mw-redirect" title="TIAA-CREF">TIAA-CREF</a> Institute Advisor Advisory Board</i>, the <i>International CFP Council</i>, the <i>CFP Board of Governors</i>, the <i>CFP Board of Examiners</i>, and the <i>CFP Board of Appeals</i>,<sup id="cite_ref-autogenerated2_15-0" class="reference"><a href="#cite_note-autogenerated2-15"><span class="cite-bracket">[</span>15<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-autogenerated3_16-0" class="reference"><a href="#cite_note-autogenerated3-16"><span class="cite-bracket">[</span>16<span class="cite-bracket">]</span></a></sup> as well as a member of the national board of the International Association for Financial Planning (IAFP) and the <a href="/wiki/Charles_Schwab_Corporation" title="Charles Schwab Corporation">Charles Schwab</a> institutional advisory board and council. Evensky is a member of the <a href="/wiki/Financial_Planning_Association" title="Financial Planning Association">Financial Planning Association</a>, the Academy of Financial Services, the <a href="/wiki/CFA_Institute" title="CFA Institute">CFA Institute</a>, and as an associate member of the <a href="/wiki/American_Bar_Association" title="American Bar Association">American Bar Association</a> and the AICPA. He is also a co-founder of the Alpha Group, an association of senior investment advisors and industry professionals. </p> <div class="mw-heading mw-heading2"><h2 id="Later_career">Later career</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Harold_Evensky&action=edit&section=3" title="Edit section: Later career"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Evensky and his wife and partner Deena Katz opened a financial planning office in <a href="/wiki/Lubbock,_Texas" title="Lubbock, Texas">Lubbock, Texas</a>, in May 2008.<sup id="cite_ref-17" class="reference"><a href="#cite_note-17"><span class="cite-bracket">[</span>17<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-18" class="reference"><a href="#cite_note-18"><span class="cite-bracket">[</span>18<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-19" class="reference"><a href="#cite_note-19"><span class="cite-bracket">[</span>19<span class="cite-bracket">]</span></a></sup> </p><p>Evensky also increased his involvement in the Personal Financial Planning (PFP) Program at <a href="/wiki/Texas_Tech_University" title="Texas Tech University">Texas Tech University</a>, where Katz had accepted a faculty position. Serving as an Adjunct Graduate Professor and then as Professor of Practice, he taught a behavioral finance course for the program, and a graduate level Wealth Management course since the fall of 2008.<sup id="cite_ref-depts.ttu.edu_5-1" class="reference"><a href="#cite_note-depts.ttu.edu-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Accolades">Accolades</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Harold_Evensky&action=edit&section=4" title="Edit section: Accolades"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In October 2018, Evensky received the P. Kemp Fain, Jr. Award, the pinnacle of recognition in the financial planning profession, honoring one exceptional individual who has made outstanding contributions to the financial planning profession.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (April 2019)">citation needed</span></a></i>]</sup> In October 2013, he received the <a href="/wiki/Financial_Planning_Association" title="Financial Planning Association">Financial Planning Association</a>'s Heart of Financial Planning Award, granted jointly to Evensky and Katz. In granting the award, FPA cited Evensky and Katz's work "educating current and future advisers through teaching, internship coordination and writing books."<sup id="cite_ref-20" class="reference"><a href="#cite_note-20"><span class="cite-bracket">[</span>20<span class="cite-bracket">]</span></a></sup> </p><p>Evensky was named one of the five "Movers, Shakers & Decision Makers, The Most Influential People in the Financial Planning Profession" by <i>Financial Planning Magazine</i>.<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (September 2008)">citation needed</span></a></i>]</sup> He is also cited by <i><a href="/wiki/Accounting_Today" title="Accounting Today">Accounting Today</a></i> in their "Top Ten Names to Know in Financial Planning".<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (September 2008)">citation needed</span></a></i>]</sup> <i><a href="/wiki/Worth_Magazine" class="mw-redirect" title="Worth Magazine">Worth Magazine</a></i> named Evensky as one of the top 100 Financial Advisers each year from 2002–2006.<sup id="cite_ref-21" class="reference"><a href="#cite_note-21"><span class="cite-bracket">[</span>21<span class="cite-bracket">]</span></a></sup> </p><p><i><a href="/wiki/Investment_Advisor" class="mw-redirect" title="Investment Advisor">Investment Advisor</a></i> has named both him and Katz as members of <i>The IA 25</i>, a listing as the most influential people in finance on multiple occasions.<sup id="cite_ref-autogenerated2_15-1" class="reference"><a href="#cite_note-autogenerated2-15"><span class="cite-bracket">[</span>15<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-autogenerated3_16-1" class="reference"><a href="#cite_note-autogenerated3-16"><span class="cite-bracket">[</span>16<span class="cite-bracket">]</span></a></sup> The 2004 edition, appearing in May of that year, featured both of them on the cover. In January 2004, he appeared on the cover of <i>Investment Advisor</i> with Katz to speak about the changes to their firm, their personal life, and on the profession over the previous years.<sup id="cite_ref-:0_11-1" class="reference"><a href="#cite_note-:0-11"><span class="cite-bracket">[</span>11<span class="cite-bracket">]</span></a></sup> </p><p>In 2002, Evensky's paper titled "Changing Equity Premium Implications for Wealth Management Portfolio Design", won the Journal of Financial Planning's "Call for Papers" competition,<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (April 2019)">citation needed</span></a></i>]</sup> and in 1999, Evensky was awarded the <i>Dow Jones Investment Advisor Portfolio Management Award for Lifetime Achievement</i>.<sup id="cite_ref-22" class="reference"><a href="#cite_note-22"><span class="cite-bracket">[</span>22<span class="cite-bracket">]</span></a></sup> His firm has pioneered the investment strategy of <a href="/wiki/Core_%26_Satellite" title="Core & Satellite">Core & Satellite</a> for practitioners, an institutional strategy that uses <a href="/wiki/Passive_management" title="Passive management">passive management</a> over "Core" positions and a blend of passive and active management over opportunity driven Satellite positions.<sup id="cite_ref-23" class="reference"><a href="#cite_note-23"><span class="cite-bracket">[</span>23<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="References">References</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Harold_Evensky&action=edit&section=5" title="Edit section: References"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1239543626">.mw-parser-output .reflist{margin-bottom:0.5em;list-style-type:decimal}@media screen{.mw-parser-output .reflist{font-size:90%}}.mw-parser-output .reflist .references{font-size:100%;margin-bottom:0;list-style-type:inherit}.mw-parser-output .reflist-columns-2{column-width:30em}.mw-parser-output .reflist-columns-3{column-width:25em}.mw-parser-output .reflist-columns{margin-top:0.3em}.mw-parser-output .reflist-columns ol{margin-top:0}.mw-parser-output .reflist-columns li{page-break-inside:avoid;break-inside:avoid-column}.mw-parser-output .reflist-upper-alpha{list-style-type:upper-alpha}.mw-parser-output .reflist-upper-roman{list-style-type:upper-roman}.mw-parser-output .reflist-lower-alpha{list-style-type:lower-alpha}.mw-parser-output .reflist-lower-greek{list-style-type:lower-greek}.mw-parser-output .reflist-lower-roman{list-style-type:lower-roman}</style><div class="reflist reflist-columns references-column-width reflist-columns-2"> <ol class="references"> <li id="cite_note-1"><span class="mw-cite-backlink"><b><a href="#cite_ref-1">^</a></b></span> <span class="reference-text">Miami Today Advertisement, September 2002</span> </li> <li id="cite_note-autogenerated1-2"><span class="mw-cite-backlink">^ <a href="#cite_ref-autogenerated1_2-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-autogenerated1_2-1"><sup><i><b>b</b></i></sup></a> <a href="#cite_ref-autogenerated1_2-2"><sup><i><b>c</b></i></sup></a></span> <span class="reference-text"><style data-mw-deduplicate="TemplateStyles:r1238218222">.mw-parser-output cite.citation{font-style:inherit;word-wrap:break-word}.mw-parser-output .citation q{quotes:"\"""\"""'""'"}.mw-parser-output .citation:target{background-color:rgba(0,127,255,0.133)}.mw-parser-output .id-lock-free.id-lock-free a{background:url("//upload.wikimedia.org/wikipedia/commons/6/65/Lock-green.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-limited.id-lock-limited a,.mw-parser-output .id-lock-registration.id-lock-registration a{background:url("//upload.wikimedia.org/wikipedia/commons/d/d6/Lock-gray-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-subscription.id-lock-subscription a{background:url("//upload.wikimedia.org/wikipedia/commons/a/aa/Lock-red-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .cs1-ws-icon a{background:url("//upload.wikimedia.org/wikipedia/commons/4/4c/Wikisource-logo.svg")right 0.1em center/12px no-repeat}body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-free a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-limited a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-registration a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-subscription a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .cs1-ws-icon a{background-size:contain;padding:0 1em 0 0}.mw-parser-output .cs1-code{color:inherit;background:inherit;border:none;padding:inherit}.mw-parser-output .cs1-hidden-error{display:none;color:var(--color-error,#d33)}.mw-parser-output .cs1-visible-error{color:var(--color-error,#d33)}.mw-parser-output .cs1-maint{display:none;color:#085;margin-left:0.3em}.mw-parser-output .cs1-kern-left{padding-left:0.2em}.mw-parser-output .cs1-kern-right{padding-right:0.2em}.mw-parser-output .citation .mw-selflink{font-weight:inherit}@media screen{.mw-parser-output .cs1-format{font-size:95%}html.skin-theme-clientpref-night .mw-parser-output .cs1-maint{color:#18911f}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .cs1-maint{color:#18911f}}</style><cite id="CITEREFEvensky2005" class="citation web cs1">Evensky, Harold (September 14, 2005). <a rel="nofollow" class="external text" href="https://web.archive.org/web/20070622024451/http://www.fpanet.org/member/meetings/online_education/09-14-05.cfm">"Boomers: Retire, Restructure, or Reinvent?"</a>. <i>Financial Planning Association</i>. Archived from <a rel="nofollow" class="external text" href="http://www.fpanet.org/member/meetings/online_education/09-14-05.cfm">the original</a> on June 22, 2007.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Financial+Planning+Association&rft.atitle=Boomers%3A+Retire%2C+Restructure%2C+or+Reinvent%3F&rft.date=2005-09-14&rft.aulast=Evensky&rft.aufirst=Harold&rft_id=http%3A%2F%2Fwww.fpanet.org%2Fmember%2Fmeetings%2Fonline_education%2F09-14-05.cfm&rfr_id=info%3Asid%2Fen.wikipedia.org%3AHarold+Evensky" class="Z3988"></span></span> </li> <li id="cite_note-3"><span class="mw-cite-backlink"><b><a href="#cite_ref-3">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFAnand2007" class="citation news cs1">Anand, Shefali (June 4, 2007). <a rel="nofollow" class="external text" href="https://www.wsj.com/articles/SB118072849658821806">"A Portfolio's Big Core"</a>. <i>Wall Street Journal</i> – via www.wsj.com.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=Wall+Street+Journal&rft.atitle=A+Portfolio%27s+Big+Core&rft.date=2007-06-04&rft.aulast=Anand&rft.aufirst=Shefali&rft_id=https%3A%2F%2Fwww.wsj.com%2Farticles%2FSB118072849658821806&rfr_id=info%3Asid%2Fen.wikipedia.org%3AHarold+Evensky" class="Z3988"></span></span> </li> <li id="cite_note-autogenerated4-4"><span class="mw-cite-backlink">^ <a href="#cite_ref-autogenerated4_4-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-autogenerated4_4-1"><sup><i><b>b</b></i></sup></a></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20040625191839/http://www.investmentadvisor.com/issues/2004_01/cover_story/2664-1.html">"Harold Evensky and Deena Katz"</a>. <i>Investment Advisor</i>. January 2004. Archived from <a rel="nofollow" class="external text" href="http://www.investmentadvisor.com/issues/2004_01/cover_story/2664-1.html">the original</a> on 2004-06-25<span class="reference-accessdate">. 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