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 Battak, chief ratings officer for Morningstar Research Services.

And I'm Christine Ben's director of personal finance and retirement planning at Morningstar.

Our guests on the podcast today is David John. David is a senior strategic policy advisor at the AARP Public Policy Institute, where he works on pension and retirement savings issues. He also serves as

deputy director of the Retirement Security Project at the Brookings Institution. RSP focuses on

improving retirement savings in the United States, especially among moderate and low-income workers.

Before joining AARP, David was a senior research fellow at the

Heritage Foundation. He also has extensive public policy experience working for a money center

bank, a law firm, a credit union trade association, and four members of the House of Representatives.

David has written and spoken extensively about the importance of reforming

the nation's retirement programs. He is co-author with Jay Mark Evry of the Automatic IRA,

a small business retirement savings program for firms that do not sponsor any other form of

retirement savings or pension plan. In addition, David is one of four co-editors of the

2009 book, Automatic, Changing the Way America Saves. David holds an ABJ in journalism, an MA in

economics, and an MBA in finance, all from the University of Georgia. David, welcome to the Longview.

Thank you. Thanks for having me. It's our pleasure. Thanks again for joining us. Before we get into discussing specific policy prescriptions, we'd like to put a general question to you that we've asked our other guests from the policy rum. Do we have a retirement crisis on our hands in the U.S.? Or will we have one

eventually if we don't today? I tend to avoid the word crisis because it implies something that

...