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please stay tuned for important disclosure information at the conclusion of this episode hi and welcome to the Longview Im Jeff Patak Chief ratings officer for Morningstar Research Services and Im Christine Benz director of personal finance and retirement planning at Morningstar our guests on the podcast today is David John David is a senior strategic policy advisor at the AARP public policy Institute where he works on pension and retirement savings issues he also serves as deputy director of the retirement security project at the Brookings institution RSP focuses on improving retirement Savings in the United States especially among moderate and low-income workers before joining AARP David was a senior research fellow at the Heritage Foundation he also has extensive public policy experience working for a money center Bank a law firm a credit union trade Association and four members of the House of Representatives David is written and spoken extensively about the importance of reform