Products & Services July 10, 2025

LeafHouse, Capital Group Introduce Personalized Target-Date Service

Target Date Plus, powered by LeafHouse, uses up to 10 participant data points to customize portfolios for each participant.

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PLANADVISER staff

LeafHouse Financial Advisors LLC and the Capital Group Cos. Inc. launched Target Date Plus, powered by LeafHouse, a data-driven, personalized retirement investing service.

The offering, which can be used as a qualified default investment alternative, brings together Capital Group’s investment expertise with LeafHouse’s fiduciary technology and oversight and is delivered via digital platform iJoin.

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Portfolios are customized for each participant using as many as 10 key participant data points—such as income, saving rate, age and retirement timeline—that, according to the companies, require no direct participant engagement. Participants can choose to provide up to six additional data points, including outside assets and other income. LeafHouse builds portfolios that dynamically adjust over time, integrating both the target-date glide path of American Funds with participant behavior insights.

“Target Date Plus is designed to tailor portfolios to participants’ unique needs and goals using actual data,” said Todd Kading, LeafHouse’s president and CEO, in a statement. “People are unique. Their portfolios should be, too. We have built this solution to deliver personalized, fiduciary-managed portfolios at a cost that is appropriate and accessible.”

The Target Date Plus solution also integrates wellness and education tools, with withdrawal advice expected to launch later this year. By leveraging iJoin’s “ACT” technology, recordkeepers and advisers have access to aggregated plan and participant data, enabling them to measure outcomes, send targeted communications and enhance participant engagement.

“Our goal is to deliver strong, long-term results for investors,” said Mark Dence, Capital Group’s retirement national accounts director, in the announcement. “By partnering with LeafHouse, we can offer scalable, personalized retirement solutions supported by proven investment strategies, assisting more individuals in both accumulation and decumulation with their innovative withdrawal advice.”