I signed a two year contract with 401k Maximizer.
I own a financial services firm which acts as a market maker in a secondary market for life insurance contracts. I know a lot about what I do, and very little about equities.
I ran a several statistical analyses of your three model portfolio's performance versus EZTracker's, and your conservative model won a very high number of the runs, as I varied the assumptions.
Lesson I've learned...hire smart people with the expertise and experience who need, don't waste your time trying to duplicate it. I've already rebalanced my 401k to follow your conservative portfolio model.
DY