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

conducting today's interview solo as my colleague Jeff Patak is traveling today. We have two guests

on the podcast today, both from Vanguard, Maria Bruno and Joel Dixon. Maria is the head of U.S.

Wealth Planning Research at Vanguard, leading a team responsible for conducting research and analysis on a wide range of retirement, wealth planning, and portfolio construction topics.

She also contributes to the oversight of the investment philosophy methodology and strategies supporting Vanguard's advisory products and services.

Maria is a CFP, and she's a fount of wisdom on many subjects, but especially retirement planning.

Joel Dixon, Ph.D., has worn many hats at Vanguard during his long career there.

In his current position as Vanguard's global head of advice methodology, he oversees all-investment methodology

development for Vanguard's advice programs

geared toward individual investors. Prior to assuming his current role, he was a senior ETF strategist

within Vanguard's investment strategy group, where he analyzed trends and developments in the

exchange-traded fund market. He also served as head of Vanguard's active quantitative equity group.

Joel and Maria also host a monthly podcast that I'd highly recommend.

It's called The Planner and the Geek.

Joel and Maria, welcome to the Longview.

It's great to be here, Christine.

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