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Hi, and welcome to the Longview. I'm Jeff Battack, Chief Ratings Officer for Morningstar Research Services. And I'm Christine Ben's Director of Personal Finance and Retirement Planning

for Morning Star. Our guest this week is Tom Izoic. Tom is Chief Investment Officer

Retirement for Morning Star Investment Management, which is Morning Star's affiliated asset

management arm. Previously, Tom was president of Morningstar Investment Management,

and before that was a leading researcher at Ibbotson Associates.

Tom has collaborated on a number of influential academic studies

on topics including asset allocation, the liquidity of stocks,

and the role of popularity and security prices.

Tom serves on the editorial board of the CFA Institute's Financial Analyst Journal. He received his bachelor's degree from

Arizona State University and his MBA from Thunderbird School of Global Management. He's also

a CFA charter holder. Tom, welcome to the Longview.

Hey, thanks for having me. You're quite welcome. Thank you so much for being with us.

As we mentioned in the intro, you're the chief investment officer retirement for Morningstar Investment Management. Can you talk about what your role entails day-to-day?

Sure. I oversee kind of two teams.

One is what I'd say is kind of a quantitative research-focused team that is really

thinking about the different methodologies that we use across kind of our workplace business

...