Jean Young is a senior research analyst with the Vanguard Center for Investor Research. Her research topics include the design of employer-sponsored retirement programs and the psychological and behavioral aspects of participant decision-making. She is also the lead author for Vanguard's annual publication "How America Saves." Before her current position, Ms. Young was a client relationship manager in Vanguard's defined contribution recordkeeping business. Ms. Young earned a B.A. in business administration from Franklin & Marshall College and an M.S. in taxation from Widener University. She is a certified public accountant.