Michael Katz | SVP, IR |
Rod Martin | Chairman and CEO |
Mike Smith | CFO |
Charlie Nelson | CEO, Retirement |
Christine Hurtsellers | CEO, Investment Management |
Rob Grubka | President, Employee Benefits |
Nigel Dally | Morgan Stanley |
Ryan Krueger | KBW |
Suneet Kamath | Citi |
Tom Gallagher | Evercore ISI |
Erik Bass | Autonomous Research |
Humphrey Lee | Dowling & Partners |
John Nadel | UBS |
Alex Scott | Goldman Sachs |
Andrew Kligerman | Credit Suisse |
Good morning, and welcome to the Voya Financial Third Quarter 2019 Earnings Conference Call. At this time, participants will be in a listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note, participants are limited to one question and one follow-up. Also, please note, this event is being recorded.