John Ameriks, PhD, is a Vanguard principal and head of Vanguard's Investment Counseling & Research Group. He serves as one of Vanguard's experts on retirement advice, retirement income management, and other investment issues. Dr. Ameriks' works examining individual and household financial decisions regarding saving and portfolio allocation have been published in articles in the American Economic Review , the Quarterly Journal of Economics , the Review of Economics and Statistics , and the Journal of Financial Planning . He is co-editor with Olivia Mitchell of the Wharton School of Recalibrating Retirement Spending and Saving (Oxford University Press). His current research interests include target date funds, managed payout funds, income generating strategies for retirees, and the financial behavior and decisions of individual investors. Before joining Vanguard in 2003, Dr. Ameriks was a senior research fellow at the TIAA-CREF Institute. He received an A.B. from Stanford University and the Ph.D. in economics from Columbia University.