Voya Financial, Inc.

Good morning, and welcome to the Voya Financial fourth quarter 2020 earnings conference call. All participants will be in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there'll be an opportunity to ask questions. To ask a question, you may press star, then number one on your touchtone phone. To withdraw your question, please press star two. Participants are limited to one question and one follow-up. 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. Mr. Katz, please go ahead.

Thank you, and good morning. Welcome to Voya Financial's fourth quarter and full year 2020 earnings conference call. We appreciate all of you who have joined us for this call. As a reminder, materials for today's call are available on our website at investors.voia.com or via the webcast. Turning to slide two, some of the comments made during this conference call may contain forward-looking statements within the meaning of federal securities law. This includes potential impacts related to COVID-19. I refer you to this slide for more information. We will also be referring today to certain non-GAAP financial measures, Gap Reconciliations Charlie Nelson, Retirement, Christine Hertzellers, Investment Management, and Rob Grupka, Employee Benefits. With that, let's turn to slide three, as I would like to turn the call over to Rod.

Good morning.