Voya Financial, Inc.

Good morning. Welcome to Voya Financial's third quarter 2025 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 will be an opportunity to ask questions. To ask a question, you may press star then 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 call over to May Neetu, Head of Investor Relations. Please go ahead.

Good morning, and thank you for joining us this morning for Voya Financial's third quarter 2025 earnings conference call. As a reminder, materials for today's call are available on our website at investors.voya.com. We will begin with prepared remarks by Heather Lavallee, our Chief Executive Officer. and Mike Katz, our Chief Financial Officer. Following their remarks, we will take your questions. I am also joined on this call by the heads of our businesses, specifically Jay Katerson, CEO of Workplace Solutions, and Matt Toms, CEO of Investment Management. Turning to our earnings presentation materials that are available on our website. On slide two, some of the comments during today's discussion may contain forward-looking statements and refer to certain non-GAAP financial measures within the meaning of federal securities law. GAAP reconciliations are available in our press release and financial supplement found on our investor relations website. And now, I will turn the call over to Heather.

Thank you, Maynee. Good morning, and thank you for joining us today. Let's turn to slide four. We're pleased to report strong third quarter results that reflect meaningful progress in delivering on our investor value proposition. Our results build on the success we've seen year to date, with adjusted operating EPS in the quarter up nearly 30%. This performance is a clear reflection of our focus on profitable growth across our diverse and complementary businesses. Equally important, we generated robust free cash flow in the quarter, and remain on track to exceed our $700 million full-year target. We've continued to take a balanced approach to capital deployment across the enterprise, and Mike will share more on that in a few moments. We'll also talk about how we're deploying capital in support of our enterprise strategy, growing our core markets, expanding into adjacencies such as wealth management, and strengthening the connections across our businesses. While we continue to invest in our businesses, we remain committed to returning excess capital to shareholders. As planned, we resumed our share repurchases during the quarter. Turning to page five, let's look at how we executed on our near-term priorities this quarter. In retirement, we delivered strong earnings and revenue growth, with full-year results trending above expectations. This performance was driven by $30 billion in year-to-date organic defined contribution net flows, putting us on track for our strongest DC net flow year since 2020 and further strengthening our market-leading retirement franchise. Investment management continues to show strong commercial momentum. The business delivered strong earnings in the third quarter with positive net flows and continued organic growth. putting us on track to exceed our organic long-term growth target of 2%. Boya's performance remains a key differentiator, with 74% of our public assets outperforming peers and benchmarks over five years and 84% over 10 years. Later this year, we'll launch our first actively managed ETFs, further expanding our product lineup, and building on our multi-sector fixed income expertise. This launch supports modernizing our intermediary platform with high-growth vehicles and expanding distribution, creating new opportunities that connect wealth management and investment management. Within employee benefits, we continue to execute our disciplined pricing strategy in stop-loss with a focus on margin over growth as we head into 2026. In October, we launched our integrated claims system to support leave management, a key milestone as we prepare for a full roll-up of our end-to-end solution on January 1st. This will strengthen our bundled offering across group and voluntary, allowing us to deliver greater flexibility and value to our clients. Taken together, These results reflect strong execution across the enterprise and position us to carry meaningful momentum into 2026. Turning to slide six, I'd like to spend a moment discussing our strategic approach to growing wealth management, where we're making key investments that strengthen our core offerings and create value across the Voya enterprise. Today's customers are looking for support with a wide range of financial decisions, and employers increasingly see financial guidance as a way to strengthen employees' financial readiness. Voi is uniquely positioned to meet those needs, building on an already solid foundation with solutions that address the growing demand for advice and planning. This is already a significant business for us, with 20% year-over-year sales growth in 2025 and total client assets reaching approximately $35 billion through the third quarter. We believe now is the time to scale this business and accelerate growth. For example, our field and phone-based advisor network includes nearly 500 advisors, and we're on track to add more than 100 by year end at our new Boston Wealth Management Hub. We launched WealthPath, our integrated technology platform that will enable advisors to deliver comprehensive guidance and solutions at scale. And we're investing in enhanced digital self-service capabilities, which will give clients more flexibility and control. As we expand our advisor base, we will continue to partner with independent advisors to complement our in-house distribution team. In summary, we're well positioned to serve our nearly 20 million workplace customers, both to and through retirement, in a fast-growing market that plays to our enterprise strengths. Our performance and momentum this quarter and throughout the year reinforce our confidence in delivering on our full-year targets and in advancing our long-term strategy. With that, I'll turn it over to Mike to walk through the financials in more detail. Mike?