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 Christine Ben's Director of Personal Finance and Retirement Planning for Morningstar.

And I'm Amy Arnaut, portfolio strategist for Morning Star Research Services. I'm filling in for Jeff Patack this week while he's on vacation.

Our guest on the podcast today is Joel Dixon, Global Head of Enterprise Advice Methodology for Vanguard.

Joel oversees all-investment methodology development for Vanguard's advice programs,

including Vanguard Personal Advisor and Vanguard Digital Advisor.

Joel has worked at Vanguard for more than 25 years in a number of investment-related roles.

He earned an AB from Washington University in St. Louis and a PhD in

economics from Stanford University. Joel can speak to a huge array of investment-related topics,

but today he's here to discuss how America saves, which is Vanguard's annual report on the 401k

plants it oversees and one of the best lenses into the state of Americans'

retirement preparedness.

Joel, welcome to the Longview.

Thanks for having me, Christine.

Well, thanks for being here.

We want to know if you can start by discussing how America saves at a high level.

Who do you write it for?

...