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Hi, and welcome to the Longview. I'm Jeff Battackak Global Director of Manager Research for Morningstar Research

Services. And I'm Christine Ben's director of personal finance for Morningstar, Inc. Our guest

in the podcast today is Jonathan Guyton, principal at Cornerstone Wealth Advisors, Inc., a fee-only

advisory firm in Minneapolis. In addition to his financial advice practice, John has contributed valuable

research in the retirement planning arena. Among his best-known pieces of research are

decision rules and portfolio management for retirees, is the safe initial withdrawal rate

too safe, as well as decision rules and maximum initial withdrawal rates, which he co-authored with computer scientist William Klinger.

He currently serves as a retirement planning columnist for the Journal of Financial Planning,

and he's also an expert panelist on retirement for the Wall Street Journal and an online columnist for time and money.

John, welcome to the Longview.

It's great to be here.

So the first question we have for you is where are you and your team working during the pandemic?

Well, we've been working remotely for two and a half months now. It's hard to remember almost when we were not working remotely.

It's not as different as maybe that sounds.

We've had the ability to do that for several years, and everyone has at some point.

What's different is that we are all doing it all the time.

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