Michael Katz | Senior Vice President-Investor Relations |
Rod Martin | Chairman and Chief Executive Officer |
Charlie Nelson | Chief Executive Officer-Retirement & Employee Benefits |
Mike Smith | Chief Financial Officer |
Rob Grubka | President-Employee Benefits |
Christine Hurtsellers | Chief Executive Officer-Investment Management |
Ryan Krueger | KBW |
Suneet Kamath | Citi |
Jimmy Bhullar | JPMorgan |
Erik Bass | Autonomous Research |
Humphrey Lee | Dowling & Partners |
Andrew Kligerman | Credit Suisse |
John Barnidge | PiperSandler |
Jeremy Campbell | Barclays Capital |
Tom Gallagher | Evercore |
Good morning. And welcome to the Voya Financial Fourth Quarter 2020 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Michael Katz, Senior Vice President of Investor Relations.