At Jackson, we've created a digital retirement planning experience with you and mine.

Visit jackson.com to explore our easy-to-understand resources and user-friendly tools

that are designed to enable financial professionals and clients to plan a path to financial freedom.

Jackson is short for Jackson Financial Incorporated, Jackson National Life Insurance Company, Lansing, Michigan,

and Jackson National Life Insurance Company of New York, purchase New York.

Please stay tuned for important disclosure information at the conclusion of this episode.

Hi, and welcome to the Longview. I'm Jeff Battack, Chief Ratings Officer for Morningstar Research Services. And I'm Christine Ben's Director of Personal Finance for Morningstar. We've been discussing

the retirement system in the U.S. on the podcast, and we wanted to offer a range of opinions on the topic.

On last week's podcast, we talked with Teresa Gilarducci, a scholar and labor economist, who

believes that the U.S. retirement

system is failing many Americans.

This week we'll chat with Andrew Biggs, resident scholar at the American Enterprise Institute.

He's more sanguine about the state of retirement in the U.S., though he's also in favor of some reforms.

Andrew is an expert on social security reform, state and local government pensions,

and public sector pay and benefits. Before joining AEI, Biggs was the principal deputy commissioner

of the Social Security Administration, where he oversaw the agency's policy research efforts.

In 2005, as an associate director of the White House National Economic

Council, he worked on Social Security reform. In 2001, he joined the staff of then-president

George W. Bush's commissioned a strength in social security. He holds a bachelor's degree

from Queen's University of Belfast in Northern Ireland, master's degrees from Cambridge

University and the University of London, and a PhD from the London School of Economics.

Andrew, welcome to the Longview.

...