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Hi, and welcome to the Longview. I'm Christine Ben's Director of Personal Finance and Retirement Planning for Morningstar.

And I'm Jeff Battack, Chief Ratings Officer for Morning Star Research Services.

Our guest on the podcast today is financial and retirement planning expert Derek Tharp.

Derek is an assistant professor of finance at the University of Southern Maine, and he's also lead researcher at Kitsis.com,

where he writes about a broad range of financial and retirement planning matters.

In addition, Derek is a senior advisor at Income Lab, and he's president of a private wealth

management firm called Conscious Capital.

Derek received his bachelor's degree in finance from Iowa State University and his

doctorate in personal financial planning from Kansas State University. He's a certified financial

planner and he's also a chartered life underwriter. Derek, welcome to the Longview.

Oh, thanks for having me.

Well, thanks for being here. Now, we want to start out by talking about your many

roles for people who aren't as familiar with your work. You're a senior advisor at Income Lab. You're a professor

of financial planning at Southern Maine University. Your lead researcher at Kitsis.com. And you're

also a financial planner at Conscious Capital. So how do you divide your time across these many jobs?

Certainly can be a bit of a challenge.

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