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

And I'm Jeff Battack, Global Director of Manager Research for Morning Star Research Services.

Our guest on the podcast today is Jonathan Stein, the founder and chief executive of Betterment.

John founded Betterment in 2008 as an automated, goal-based investing service, and it's currently the largest of the independent

robo advisors. Betterment offers two main services, Betterment Digital, which is a pure robo advisor,

and Betterment Premium, which offers clients' ongoing financial planning guidance from a certified

financial planner. John began his career consulting with banks and brokerage firms on risk and products.

He's a graduate of Harvard University and Columbia Business School and is a chartered financial analyst.

John, welcome to the Longview.

Hi, nice to be here. Thanks for having me.

So we've been asking all of our guests about how they're working and where they're working through this period.

Can you talk about how the pandemic has changed your day-to-day work life?

Today I'm in Manhattan on the Lower East Side in my apartment.

13 years now, I guess.

We've lived in this place.

Before I had kids, I've had many different roommates here.

...