Automatic IRA Act of 2013

S. 1317, "Lifetime Income Disclosure Act". S. 1270, "SAFE Retirement Act of 2013". S. 1557, "Automatic IRA Act", a bill to amend the Internal Revenue Code to promote and simplify Qualified Plans. S. 1970, "The Retirement Security Act of 2014". S. 1979, "The USA Retirement Funds Act". H.R. 1534, "Small Business Add Value for Employees Act". H.R. 2117, "Retirement Plan Simplification and Enhancement Act of 2013". H.R. 2317, "Lifetime Income Disclosure Act". H.R. 2035, "Automatic IRA Act of 2013" - Amends the Internal Revenue Code to require certain employers who do not maintain qualifying retirement plans or arrangements to make available to their eligible employees a payroll deposit individual retirement account (IRA) arrangement. H.R. 1 - A proposal relating to Tax Reform released by Chairman David Camp of the House Ways and Means Committee (2013). Dept. of Labor, final rule adding Section 2520.104(b)-1(c), Electronic Distribution of Disclosures Required by Title 1 of ERISA, 75 FR 19285 (4/7/11). Dept. of Labor, proposed rule amending Section 2510.3-21 c, (definition of term "fiduciary"), 75 FR 65263 (10/22/10). Dept. of Labor proposed rule amending Section 2550.404a-4, Selection of Insurers to provide guaranteed retirement income- safe harbor for individual account plans. Dept. of Labor, "Advance Notice of Proposed Rule Making (ANPRM) on Pension Benefit Statements". The ANPRM will require an illustration of participant account balances on participant statements in the form of lifetime income.

Client expense: $690,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

S. 1145, "Lifetime Income Disclosure Act". S. 1270, "SAFE Retirement Act of 2013". S. 1557, "Automatic IRA Act", a bill to amend the Internal Revenue Code to promote and simplify Qualified Plans. S. 1970, "The Retirement Security Act of 2014". S. 1979, "The USA Retirement Funds Act". H.R. 1534, "Small Business Add Value for Employees Act". H.R. 2117, "Retirement Plan Simplification and Enhancement Act of 2013". H.R. 2171, "Lifetime Income Disclosure Act". H.R. 2035, "Automatic IRA Act of 2013" - Amends the Internal Revenue Code to require certain employers who do not maintain qualifying retirement plans or arrangements to make available to their eligible employees a payroll deposit individual retirement account (IRA) arrangement. H.R. 1 - A proposal relating to Tax Reform released by Chairman David Camp of the House Ways and Means Committee (2013). Dept. of Labor, final rule adding Section 2520.104(b)-1(c), Electronic Distribution of Disclosures Required by Title 1 of ERISA, 75 FR 19285 (4/7/11). Dept. of Labor, proposed rule amending Section 2510.3-21 c, (definition of term "fiduciary"), 75 FR 65263 (10/22/10). Dept. of Labor proposed rule amending Section 2550.404a-4, Selection of Insurers to provide guaranteed retirement income- safe harbor for individual account plans. Dept. of Labor, "Advance Notice of Proposed Rule Making (ANPRM) on Pension Benefit Statements". The ANPRM will require an illustration of participant account balances on participant statements in the form of lifetime income.

Client expense: $1,080,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 2035 Automatic IRA Act of 2013 (Automatically Enrolls Employees in an IRA.) H.R. 4718 To amend the Internal Revenue Code of 1986 (Modify and make permanent bonus depreciation.) H.R.5021 - Highway and Transportation Funding Act of 2014 (Increase premiums on single-employer pension plans.)

Client expense: $556,357 · Firm income: Not reported

Government targets: Equal Employment Opportunity Commission (EEOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE, White House Office

H.R. 2035 Automatic IRA Act of 2013 (Automatically enrolls employees in an IRA)

Client expense: $578,005 · Firm income: Not reported

Government targets: Equal Employment Opportunity Commission (EEOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE, White House Office

H.R. 2035 Automatic IRA Act of 2013 (Automatically Enrolls Employees in an IRA.) H.R. 4718 To amend the Internal Revenue Code of 1986 (Modify and make permanent bonus depreciation.) H.R. 5021 - Highway and Transportation Funding Act of 2014 (Modify single-employer PBGC premiums.)

Client expense: $351,151 · Firm income: Not reported

Government targets: Equal Employment Opportunity Commission (EEOC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE, Treasury, Dept of, White House Office

H.R. 2035 - Automatic IRA Act of 2013 (Automatically enrolls employees in an IRA.) H.R. 4718 - To amend the Internal Revenue Code of 1986 (Modify and make permanent bonus depreciation.) H.R. 5021 - Highway and Transportation Funding Act of 2014 (Modify single-employer PBGC premiums.) H.R. 83 - Consolidated and Further Continuing Appropriations (Changes multi-employer pension funding rules.) S. 1979 - Retirement Security Act of 2014 (Requirements for small business participation in multi-employer pension plans.)

Client expense: $413,962 · Firm income: Not reported

Government targets: Equal Employment Opportunity Commission (EEOC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE, Treasury, Dept of, White House Office

H.R. 2035 (Automatic IRA Act of 2013); H.R. 2117 (Retirement Plan Simplification and Enhancement Act of 2013); H.R. 2374 (Retail Investor Protection Act); S. 606 (SEAL Act); House and Senate Sense of Congress Resolutions on Preserving Retirement Savings Tax Incentives; DOL ERISA Fiduciary Duty Rulemaking; DOL Advisory Opinion 2013-01A (Swaps and pension plans); Partial rollovers; Business Conduct Standards; Tax reform (generally, relating to retirement).

Client expense: $1,770,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Ginnie Mae, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Security Council (NSC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

Retirement Security as in the following bills: S606 - Shrinking Emergency Account Losses Act of 2013 (SEAL Act) HR2117 - Retirement Plan Simplification and Enhancement Act of 2013 HR2035 - Automatic IRA Act of 2013 S1270 - Secure Annuities for Employee (SAFE) Retirement Act of 2013 S1970 - Retirement Security Act of 2014 S1979 - USA Retirement Funds Act of 2014 DOL & SEC Fiduciary Proposals (DOL Fiduciary Definition Regulation / SEC Project to Harmonize Broker-Dealer Fiduciary Standards) as in the following bill: HR2374 - Retail Investor Protection Act Providing Lifetime Income Illustrations on Retirement Benefit Statements Tax Benefits of Defined Contribution Plans Defined Contribution Retirement Plan Design Fiduciary Concerns Related to Advice and Education in Retirement Plans Stretch IRA as in the following bill: S953 - Reed-Harkin Student Loan Affordability Act of 2013 Preserving America's Transit and Highways Act of 2014 (Chairman's Mark) Lifetime Income Disclosure as in the following bill: HR2171/S1145 - Lifetime Income Disclosure Act of 2013 Retirement Plan Consolidation Tax Reform as it relates to retirement plans Qualified Default Investment Alternatives

Client expense: $350,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC)

S. Con. Res. 12: Resolution on Retirement Savings Incentives. Issue: retirement security. H.R. 837: Savings for American Families' Future Act of 2013. Issue: retirement security. S. 606 - Shrinking Emergency Account Losses Act. Issue: limits borrowing from 401(k) plan. H.R. 2035: Automatic IRA Act of 2013. Issue: retirement security H.R. 2117: Retirement Plan Simplification and Enhancement Act of 2013. Issue: retirement security H.R. 837: Saving for American Families Future Act of 2013. Issue: Savers credit enhancement S. 1145/H.R. 2171: Lifetime Income Disclosure Act. Issue: lifetime income illustration S. 1270: Secure Annuities for Employee (SAFE) Act. Issue: retirement security S.1979: Universal, Secure, Adaptable Retirement Funds Act. Issue: retirement security H.R. 2171: Retirement Security Act of 2014. Issue: retirement security H.R. 5576, the USAccounts: Investing in Americas Future Act of 2014, Kid Save accounts. No bill number: Preserving Americas Transit & Highways Act of 2014, - tracking the stretch IRA provision in it. H.R. 5263-The Living Donor Protection Act, Issue: Underwriting for long-term care H.R. 3590-The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges. S. 1970, Retirement Security Act : retirement security H.R. 5875, SAVE Act: retirement security

Client expense: $1,273,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 676, "The Identify Theft and Tax Fraud Protection Act of 2013". S. 1145, "Lifetime Income Disclosure Act". S. 1270, "SAFE Retirement Act of 2013". S. 1557, "Automatic IRA Act", a bill to amend the Internal Revenue Code to promote and simplify Qualified Plans. S. 1970, "The Retirement Security Act of 2014". S. 1979, "The USA Retirement Funds Act". H.R. 1534, "Small Business Add Value for Employees Act". H.R. 2117, "Retirement Plan Simplification and Enhancement Act of 2013". H.R. 2171, "Lifetime Income Disclosure Act". H.R. 2035, "Automatic IRA Act of 2013" - Amends the Internal Revenue Code to require certain employers who do not maintain qualifying retirement plans or arrangements to make available to their eligible employees a payroll deposit individual retirement account (IRA) arrangement. No Bill Number - A proposal relating to Tax Reform released by Chairman David Camp of the House Ways and Means Committee. Dept. of Labor, final rule adding Section 2520.104(b)-1(c), Electronic Distribution of Disclosures Required by Title 1 of ERISA, 75 FR 19285 (4/7/11). Dept. of Labor, proposed rule amending Section 2510.3-21 c, (definition of term "fiduciary"), 75 FR 65263 (10/22/10). Dept. of Labor proposed rule amending Section 2550.404a-4, Selection of Insurers to provide guaranteed retirement income- safe harbor for individual account plans. Dept. of Labor, "Advance Notice of Proposed Rule Making (ANPRM) on Pension Benefit Statements". The ANPRM will require an illustration of participant account balances on participant statements in the form of lifetime income.

Client expense: $1,010,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

S. 1270, S. 1970, S. 1979 - Multiple Small Employer Plans - issues relating to MEPs/MSEPs S. 1979 - Lifetime Income Disclosure & Regulatory Issues - all provisions S. 1970 - Retirement Security Act of 2014 HR 2035 - Automatic IRA - all Provisions No Bill # - Proposed DOL Fiduciary Regulations - all provisions No Bill # - Dodd-Frank issues at CFTC and SEC surrounding swap-related regulations including inter-affiliate swaps work No Bill # - GMWB Interpretive Issues in terms of possible guidance S.1270 - Electronic Disclosure - ERISA/Internal Revenue Code - issues/provisions relating to the use of electronic disclosure by employee benefit plans No Bill # - Department of Labor Guidance on Self-Directed Brokerage / FAB 2012-02 Q&A 30 - issues relating to the use of self-directed brokerage by employee benefit plans No Bill # - Issues relating to DOL Safe Harbor for Selection of Annuity Providers S. 1979 - Issues relating to Annuity Selection Safe Harbor No Bill # - Issues relating to target date funds disclosures S.1979 - USA Retirement Plans - all provisions

Client expense: $2,220,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

S. 1270, S. 1970, S. 1979 - Multiple Small Employer Plans - issues relating to MEPs/MSEPs S. 1979 - Lifetime Income Disclosure & Regulatory Issues - all provisions S. 1970 - Retirement Security Act of 2014 HR 2035 - Automatic IRA - all Provisions No Bill # - Proposed DOL Fiduciary Regulations - all provisions No Bill # - Dodd-Frank issues at CFTC and SEC surrounding swap-related regulations including inter-affiliate swaps work No Bill # - GMWB Interpretive Issues in terms of possible guidance S.1270 - Electronic Disclosure - ERISA/Internal Revenue Code - issues/provisions relating to the use of electronic disclosure by employee benefit plans No Bill # - Department of Labor Guidance on Self-Directed Brokerage / FAB 2012-02 Q&A 30 - issues relating to the use of self-directed brokerage by employee benefit plans No Bill # - Issues relating to DOL Safe Harbor for Selection of Annuity Providers S. 1979 - Issues relating to Annuity Selection Safe Harbor No Bill # - Issues relating to target date funds disclosures S.1979 - USA Retirement Plans - all provisions

Client expense: $2,220,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

S. Con. Res. 12: Retirement Tax Incentives Resolution S. 606: Shrinking Emergency Account Losses (SEAL) Act S. 952: Church Plan Clarification Act of 2013 S. 1145: Lifetime Income Disclosure Act S. 1270: SAFE Retirement Act of 2013 S. 1302: Cooperative and Small Employer Charity Pension Flexibility Act of 2013 S. 1979: USA Retirement Funds Act (Harkin) S 2511, Harkin and Alexander. No Act name, but it clarifies the definition of cessation of operations under ERISA H.R. 837: Savings for American Families Future Act H.R. 2035: Automatic IRA Act of 2013 H.R. 2117: Retirement Plan Simplification and Enhancement Act of 2013 H.R. 2171: Lifetime Income Disclosure Act H.R. 2374: Retail Investor Protection Act (Wagner) H.R. 4275: Cooperative and Small Employer Charity Pension Flexibility Act H.R. 5828: USA Retirement Funds Act H.R. 5875: SAVE Act of 2014

Client expense: $370,732 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC)

Legislation and rulemaking affecting annuities, variable life products and retirement savings including Obama Administration and Congressional proposals on tax reform; proposal to create Universal, Secure, and Adaptable ("USA") Retirement Funds retirement plans.Lifetime Income Disclosure Act, legislation that proposes to amend the Employee Retirement Income Security Act of 1974 to require disclosure of lifetime income equivalents (S.1145, H.R. 2171). Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions. Proposals at the Department of Labor for increasing Americans' access to guaranteed lifetime income solutions. Department of Labor proposed rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. Automatic IRA Act of 2013 (H.R. 2035), legislation that Amends the Internal Revenue Code to: (1) require certain employers who do not maintain qualified retirement plans or arrangements to make available to their eligible employees a payroll deposit individual retirement account (IRA) arrangement (automatic IRA arrangement) which grants such employees the right to opt-out of participation. Retirement Plan Simplification and Enhancement Act of 2013 (H.R. 2117), legislation to improve the rules governing lifetime income products and other retirement savings vehicles. The SAFE Retirement Act of 2013 (S.1270), which is legislation that includes measures to increase participation and savings in 401(k) plans, and increase access to lifetime income so that workers can enhance their retirement security. Highway and Transportation Funding Act of 2014 (H.R. 5021).

Client expense: $40,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 2035 - Automatic IRA Act of 2013 (Automatically enrolls employees in an IRA.) H.R. 4718 - To amend the Internal Revenue Code of 1986 (Modify and make permanent bonus depreciation.) H.R. 5021 - Highway and Transportation Funding Act of 2014 (Modify single-employer PBGC premiums.) H.R. 83 - Consolidated and Further Continuing Appropriations (Changes multi-employer pension funding rules.) S. 1979 - Retirement Security Act of 2014 (Requirements for small business participation in multi-employer pension plans.)

Client expense: $413,962 · Firm income: Not reported

Government targets: Equal Employment Opportunity Commission (EEOC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE, Treasury, Dept of, White House Office

S. 1145 - Lifetime Income Disclosure Act (Isakson) S. 1270 - SAFE Retirement Act of 2013 (Hatch) S. 1970 - Retirement Security Act of 2014 (Collins) S. 1979 - USA Retirement Funds Act (Harkin) H.R. 2035 - Automatic IRA Act of 2013 (Neal) H.R. 2117 - Retirement Plan Simplification and Enhancement Act of 2013 (Neal) H.R. 2171 - Lifetime Income Disclosure Act (Holt) H.R. 4376 - Retirement Security Act of 2014 (Braley) H.R. 5875 - SAVE Act of 2014 (Kind) Electronic Delivery of Retirement Plan Information Department of Labor Fiduciary Definition Security Throughout Retirement Act (Cantwell)

Client expense: $1,130,086 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Retirement Security as in the following bills: S606 - Shrinking Emergency Account Losses Act of 2013 (SEAL Act) HR2117 - Retirement Plan Simplification and Enhancement Act of 2013 HR2035 - Automatic IRA Act of 2013 S1270 - Secure Annuities for Employee (SAFE) Retirement Act of 2013 S1970 - Retirement Security Act of 2014 S1979 - USA Retirement Funds Act of 2014 HR5875 - Small Businesses Add Value for Employees (SAVE) Act of 2014 DOL & SEC Fiduciary Proposals (DOL Fiduciary Definition Regulation/SEC Project to Harmonize Broker-Dealer Fiduciary Standards) as in the following bill: HR2374 - Retail Investor Protection Act Providing Lifetime Income Illustrations on Retirement Benefit Statements Tax Benefits of Defined Contribution Plans Defined Contribution Retirement Plan Design Fiduciary Concerns Related to Advice and Education in Retirement Plans Stretch IRA as in the following bills: S953 - Reed-Harkin Student Loan Affordability Act of 2013 Preserving Americas Transit and Highways Act of 2014 (Chairmans Mark) Lifetime Income Disclosure as in the following bills: HR2171/S1145 - Lifetime Income Disclosure Act of 2013 Retirement Plan Consolidation Tax Reform as it relates to retirement plans Qualified Default Investment Alternatives

Client expense: $590,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC)

H.R. 1: The Tax Reform Act of 2014. Issue: tax incentives for savings H.R. 2035: Automatic IRA Act of 2013. Issue: retirement security H.R. 2117: Retirement Plan Simplification and Enhancement Act of 2013. Issue: retirement security H.R. 837: Saving for American Families Future Act of 2013. Issue: Savers credit enhancement S. 1145/H.R. 2171: Lifetime Income Disclosure Act. Issue: lifetime income illustration S. 1270: Secure Annuities for Employee (SAFE) Act. Issue: retirement security H.R. 8 - The American Taxpayer Relief Act of 2012. Issue: Long-Term Care, repeal of the CLASS Act, LTC Commission S.1979: Universal, Secure, Adaptable Retirement Funds Act. Issue: retirement security H.R. 2171: Retirement Security Act of 2014. Issue: retirement security H.R. 5875, the SAVE Act of 2014. Issue: Retirement security

Client expense: $660,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Automatic IRA Act 2013 (H.R. 2035); Retirement Plan Simplification and Enhancement Act 2013 (H.R. 2117); Lifetime Income Disclosure Act (H.R. 2171/S. 1145); Shrinking Emergency Account Losses Act 2013 (S. 606); 401(k) plans; Other employer sponsored plan issues; Healthy Lifestyles and Prevention (HELP) America Act (S. 39); Secure Annuities for Employee Retirement (SAFE) Act 2013 (S.1270); Financial literacy and education issues; PBGC premiums

Client expense: $13,409 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Treasury, Dept of

H.R. 837: Savings for American Families' Future Act of 2013. Issue: retirement security. H.R. 837: Saving for American Families Future Act of 2013. Issue: Savers credit enhancement H.R. 2035: Automatic IRA Act of 2013. Issue: retirement security H.R. 2117: Retirement Plan Simplification and Enhancement Act of 2013. Issue: retirement security H.R. 2171: Retirement Security Act of 2014. Issue: retirement security H.R. 3590-The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges. H.R. 5263-The Living Donor Protection Act, Issue: Underwriting for long-term care H.R. 5576: the US Accounts: Investing in Americas Future Act of 2014, Kid Save accounts. H.R. 5875: SAVE Act: retirement security S. Con. Res. 12: Resolution on Retirement Savings Incentives. Issue: retirement security. S. 606: Shrinking Emergency Account Losses Act. Issue: limits borrowing from 401(k) plan. S. 1145/H.R. 2171: Lifetime Income Disclosure Act. Issue: lifetime income illustration S. 1270: Secure Annuities for Employee (SAFE) Act. Issue: retirement security S. 1970: Retirement Security Act: retirement security S. 1979: Universal, Secure, Adaptable Retirement Funds Act. Issue: retirement security No bill number: Preserving Americas Transit & Highways Act of 2014, - tracking the stretch IRA provision in it.

Client expense: $1,440,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. Con. Res. 12: Resolution on Retirement Savings Incentives. Issue: retirement security. H.R. 837: Savings for American Families' Future Act of 2013. Issue: retirement security. S. 606 - Shrinking Emergency Account Losses Act. Issue: limits borrowing from 401(k) plan. H.R. 2035: Automatic IRA Act of 2013. Issue: retirement security H.R. 2117: Retirement Plan Simplification and Enhancement Act of 2013. Issue: retirement security H.R. 837: Saving for American Families Future Act of 2013. Issue: Savers credit enhancement S. 1145/H.R. 2171: Lifetime Income Disclosure Act. Issue: lifetime income illustration S. 1270: Secure Annuities for Employee (SAFE) Act. Issue: retirement security S.1979: Universal, Secure, Adaptable Retirement Funds Act. Issue: retirement security H.R. 2171: Retirement Security Act of 2014. Issue: retirement security H.R. 5576, the USAccounts: Investing in Americas Future Act of 2014, Kid Save accounts. No bill number: Preserving Americas Transit & Highways Act of 2014, - tracking the stretch IRA provision in it. H.R. 5263-The Living Donor Protection Act, Issue: Underwriting for long-term care H.R. 3590-The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges. S. 1970, Retirement Security Act : retirement security H.R. 5875, SAVE Act: retirement security

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Retirement savings issues, including S 1270, the "SAFE Retirement Act of 2013;" HR 2035, the "Automatic IRA Act of 2013;" S 1979, the "USA Retirement Funds Act;" HR 2117, the "Retirement Plan Simplification and Enhancement Act;" and the "Tax Reform Act of 2014."

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Retirement savings issues, including S 1270, the "SAFE Retirement Act of 2013;" HR 2035, the "Automatic IRA Act of 2013;" S 1979, the "USA Retirement Funds Act;" HR 2117, the "Retirement Plan Simplification and Enhancement Act;" and the "Tax Reform Act of 2014."

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2035 (Automatic IRA Act of 2013); H.R. 2117 (Retirement Plan Simplification and Enhancement Act of 2013); H.R. 2374 (Retail Investor Protection Act); H.R. 4619 (Permanent IRA Charitable Contribution Act of 2014);S. 606 (SEAL Act); House and Senate Sense of Congress Resolutions on Preserving Retirement Savings Tax Incentives; DOL ERISA Fiduciary Duty Rulemaking; DOL Advisory Opinion 2013-01A (Swaps and pension plans); Partial rollovers; Business Conduct Standards; Tax reform (generally, relating to retirement); Stretch IRA in Highway Trust Fund legislation; Sen. Rubio's retirement proposals (draft).

Client expense: $2,010,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Ginnie Mae, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Security Council (NSC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 2035 (Automatic IRA Act of 2013); H.R. 2117 (Retirement Plan Simplification and Enhancement Act of 2013); H.R. 2374 (Retail Investor Protection Act); S. 606 (SEAL Act);House and Senate Sense of Congress Resolutions on Preserving Retirement Savings Tax Incentives; DOL ERISA Fiduciary Duty Rulemaking; DOL Advisory Opinion 2013-01A (Swaps and pension plans); Partial rollovers; Business Conduct Standards; Tax reform (generally, relating to retirement).

Client expense: $1,770,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Ginnie Mae, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Security Council (NSC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

RET - Third Quarter Report - 2014 H.R. 837: Savings for American Families' Future Act of 2013. Issue: retirement security. H.R. 837: Saving for American Families Future Act of 2013. Issue: Savers credit enhancement H.R. 2035: Automatic IRA Act of 2013. Issue: retirement security H.R. 2117: Retirement Plan Simplification and Enhancement Act of 2013. Issue: retirement security H.R. 2171: Retirement Security Act of 2014. Issue: retirement security H.R. 3590-The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges. H.R. 5263-The Living Donor Protection Act, Issue: Underwriting for long-term care H.R. 5576, the USAccounts: Investing in Americas Future Act of 2014, Kid Save accounts. S. Con. Res. 12: Resolution on Retirement Savings Incentives. Issue: retirement security. S. 606 - Shrinking Emergency Account Losses Act. Issue: limits borrowing from 401(k) plan. S. 1145/H.R. 2171: Lifetime Income Disclosure Act. Issue: lifetime income illustration S. 1270: Secure Annuities for Employee (SAFE) Act. Issue: retirement security S.1979: Universal, Secure, Adaptable Retirement Funds Act. Issue: retirement security No bill number: Preserving Americas Transit & Highways Act of 2014, - tracking the stretch IRA provision in it.

Client expense: $1,690,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

See AddendumS. 676, "The Identify Theft and Tax Fraud Protection Act of 2013". S. 1145, "Lifetime Income Disclosure Act". S. 1270, "SAFE Retirement Act of 2013". S. 1557, "Automatic IRA Act", a bill to amend the Internal Revenue Code to promote and simplify Qualified Plans. S. 1970, "The Retirement Security Act of 2014". S. 1979, "The USA Retirement Funds Act". H.R. 1534, "Small Business Add Value for Employees Act". H.R. 2117, "Retirement Plan Simplification and Enhancement Act of 2013". H.R. 2171, "Lifetime Income Disclosure Act". H.R. 2035, "Automatic IRA Act of 2013" - Amends the Internal Revenue Code to require certain employers who do not maintain qualifying retirement plans or arrangements to make available to their eligible employees a payroll deposit individual retirement account (IRA) arrangement. No Bill Number - A proposal relating to Tax Reform released by Chairman David Camp of the House Ways and Means Committee. Dept. of Labor, final rule adding Section 2520.104(b)-1(c), Electronic Distribution of Disclosures Required by Title 1 of ERISA, 75 FR 19285 (4/7/11). Dept. of Labor, proposed rule amending Section 2510.3-21 c, (definition of term "fiduciary"), 75 FR 65263 (10/22/10). Dept. of Labor proposed rule amending Section 2550.404a-4, Selection of Insurers to provide guaranteed retirement income- safe harbor for individual account plans. Dept. of Labor, "Advance Notice of Proposed Rule Making (ANPRM) on Pension Benefit Statements". The ANPRM will require an illustration of participant account balances on participant statements in the form of lifetime income.

Client expense: $800,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health Resources & Services Administration (HRSA), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 2035 (Automatic IRA Act of 2013); H.R. 2117 (Retirement Plan Simplification and Enhancement Act of 2013); H.R. 2374 (Retail Investor Protection Act); H.R. 4619 (Permanent IRA Charitable Contribution Act of 2014);S. 606 (SEAL Act); House and Senate Sense of Congress Resolutions on Preserving Retirement Savings Tax Incentives; DOL ERISA Fiduciary Duty Rulemaking; DOL Advisory Opinion 2013-01A (Swaps and pension plans); Partial rollovers; Business Conduct Standards; Tax reform (generally, relating to retirement); Stretch IRA in Highway Trust Fund legislation; Sen. Rubio's retirement proposals (draft).

Client expense: $1,790,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Ginnie Mae, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Security Council (NSC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

Automatic IRA Act 2013 (H.R. 2035); Retirement Plan Simplification and Enhancement Act 2013 (H.R. 2117); Lifetime Income Disclosure Act (H.R. 2171/S. 1145); Shrinking Emergency Account Losses Act 2013 (S. 606); 401(k) plans; Other employer sponsored plan issues; Healthy Lifestyles and Prevention (HELP) America Act (S. 39); Secure Annuities for Employee Retirement (SAFE) Act 2013 (S.1270); Financial literacy and education issues; PBGC premiums

Client expense: $10,399 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Treasury, Dept of

Legislation and rulemaking affecting annuities, variable life products and retirement savings including Obama Administration and Congressional proposals on tax reform; proposal to create Universal, Secure, and Adaptable ("USA") Retirement Funds retirement plans.Lifetime Income Disclosure Act, legislation that proposes to amend the Employee Retirement Income Security Act of 1974 to require disclosure of lifetime income equivalents (S.1145, H.R. 2171). Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions. Proposals at the Department of Labor for increasing Americans' access to guaranteed lifetime income solutions. Department of Labor proposed rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. Automatic IRA Act of 2013 (H.R. 2035), legislation that Amends the Internal Revenue Code to: (1) require certain employers who do not maintain qualified retirement plans or arrangements to make available to their eligible employees a payroll deposit individual retirement account (IRA) arrangement (automatic IRA arrangement) which grants such employees the right to opt-out of participation. Retirement Plan Simplification and Enhancement Act of 2013 (H.R. 2117), legislation to improve the rules governing lifetime income products and other retirement savings vehicles. The SAFE Retirement Act of 2013 (S.1270), which is legislation that includes measures to increase participation and savings in 401(k) plans, and increase access to lifetime income so that workers can enhance their retirement security. Comment letter to Department of the Treasury on retroactivity of DOMA guidance. Highway and Transportation Funding Act of 2014 (H.R. 5021).

Client expense: $60,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

S. 1270 / S. 1970 / S. 1979 - Multiple Small Employer Plans - issues relating to MEPs/MSEPs S. 1979 - Lifetime Income Disclosure & Regulatory Issues - all provisions S. 1970 - Retirement Security Act of 2014 H.R. 2035 - Automatic IRA - all provisionsNo Bill# - Proposed DOL Fiduciary Regulations - all provisions No Bill# - Dodd-Frank issues at CFTC and SEC surrounding swap-related regulations including inter-affiliate swaps work No Bill# - GMWB Interpretive Issues in terms of possible guidance S. 1270 - Electronic Disclosure - ERISA/Internal Revenue Code - issues/provisions relating to the use of electronic disclosure by employee benefit plans No Bill# - Department of Labor Guidance on Self-Directed Brokerage / FAB 2012-02 Q&A 30 - issues relating to the use of self-directed brokerage by employee benefit plans No Bill# - Issues relating to DOL Safe Harbor for Selection of Annuity Providers S. 1979 - Issues relating to Annuity Selection Safe Harbor No Bill# - Issues relating to target date funds disclosures S. 1979 - USA Retirement Plans - all provisions No Bill# - Issues relating to guide/index for ERISA 408b-2 fee disclosures

Client expense: $1,840,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

Retirement savings issues, including S. 1270, the "SAFE Retirement Act of 2013," H.R. 2035, the "Automatic IRA Act of 2013," S. 1979, the "USA Retirement Funds Act," H.R. 2117, the "Retirement Plan Simplification and Enhancement Act," and the "Tax Reform Act of 2014."

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Retirement savings issues, including S. 1270, the "SAFE Retirement Act of 2013," H.R. 2035, the "Automatic IRA Act of 2013," S. 1979, the "USA Retirement Funds Act," H.R. 2117, the "Retirement Plan Simplification and Enhancement Act," and the "Tax Reform Act of 2014."

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Retirement Security as in the following bills: S606 - Shrinking Emergency Account Losses Act of 2013 (SEAL Act) HR2117 - Retirement Plan Simplification and Enhancement Act of 2013 HR2035 - Automatic IRA Act of 2013Retirement Security as in the following bills: [continued] S1270 - Secure Annuities for Employee (SAFE) Retirement Act of 2013 S1970 - Retirement Security Act of 2014 S1979 - USA Retirement Funds Act of 2014 DOL & SEC Fiduciary Proposals (DOL Fiduciary Definition Regulation / SEC Project to Harmonize Broker-Dealer Fiduciary Standards) as in the following bill: HR2374 - Retail Investor Protection Act Providing Lifetime Income Illustrations on Retirement Benefit Statements Tax Benefits of Defined Contribution Plans Defined Contribution Retirement Plan Design Fiduciary Concerns Related to Advice and Education in Retirement Plans Stretch IRA as in the following bills: S953 - Reed-Harkin Student Loan Affordability Act of 2013 Preserving America's Transit and Highways Act of 2014 (Chairman's Mark) Lifetime Income Disclosure as in the following bills: HR2171/S1145 - Lifetime Income Disclosure Act of 2013 Retirement Plan Consolidation Tax Reform as it relates to retirement plans Qualified Default Investment Alternatives

Client expense: $500,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC)

S. 1145 - Lifetime Income Disclosure Act (Isakson) S. 1270 - SAFE Retirement Act of 2013 (Hatch) S. 1970 - Retirement Security Act of 2014 (Collins) S. 1979 - USA Retirement Funds Act (Harkin)H.R. 2035 - Automatic IRA Act of 2013 (Neal) H.R. 2117 - Retirement Plan Simplification and Enhancement Act of 2013 (Neal) H.R. 2171 - Lifetime Income Disclosure Act (Holt) H.R. 4376 - Retirement Security Act of 2014 (Braley) Electronic Delivery of Retirement Plan Information SAVE Act (Kind) Department of Labor Fiduciary Definition Security Throughout Retirement Act (Cantwell)

Client expense: $1,502,069 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

H.R. 2035 Automatic IRA Act of 2013 (Automatically Enrolls Employees in an IRA.) H.R. 4718 To amend the Internal Revenue Code of 1986 (Modify and make permanent bonus depreciation.) H.R. 5021 - Highway and Transportation Funding Act of 2014 (Modify single-employer PBGC premiums.)

Client expense: $351,151 · Firm income: Not reported

Government targets: Equal Employment Opportunity Commission (EEOC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE, Treasury, Dept of, White House Office

S. Con. Res. 12: Resolution on Retirement Savings Incentives. Issue: retirement security. H.R. 837: Savings for American Families' Future Act of 2013. Issue: retirement security. S. 606 Shrinking Emergency Account Losses Act. Issue: limits borrowing from 401(k) plan.H.R. 2035: Automatic IRA Act of 2013. Issue: retirement security H.R. 2117: Retirement Plan Simplification and Enhancement Act of 2013. Issue: retirement security H.R. 837: Saving for American Families Future Act of 2013. Issue: Savers credit enhancement S. 1145/H.R. 2171: Lifetime Income Disclosure Act. Issue: lifetime income illustration S. 1270: Secure Annuities for Employee (SAFE) Act. Issue: retirement security H.R. 8 The American Taxpayer Relief Act of 2012. Issue: Long-Term Care, repeal of the CLASS Act, LTC Commission S.1979: Universal, Secure, Adaptable Retirement Funds Act. Issue: retirement security H.R. 2171: Retirement Security Act of 2014. Issue: retirement security H.R. 2720, the Alexis Agin Identity Theft Protection Act of 2013. Issue: Death Master File. S. 676: Identity Theft and Tax Fraud Prevention Act of 2013. Issue: Death Master File. H.R. 466 Social Security Death Master File Privacy Act. Issue: restrict access to Social Security Death Master File. H.J. Res 59 (Public Law 113-67) Bipartisan Budget Act of 2013. Issue: Social Security Death Master File

Client expense: $1,030,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Please see next page for all issues and legislation in one place!S. Con. Res. 12: Retirement Tax Incentives Resolution S. 606: Shrinking Emergency Account Losses (SEAL) Act S. 952: Church Plan Clarification Act of 2013 S. 1145: Lifetime Income Disclosure Act S. 1270: SAFE Retirement Act of 2013 S. 1302: Cooperative and Small Employer Charity Pension Flexibility Act of 2013 S. 1979: USA Retirement Funds Act (Harkin) S 2511, Harkin and Alexander. No Act name, but it clarifies the definition of cessation of operations under ERISA H.R. 837: Savings for American Families Future Act H.R. 2035: Automatic IRA Act of 2013 H.R. 2117: Retirement Plan Simplification and Enhancement Act of 2013 H.R. 2171: Lifetime Income Disclosure Act H.R. 2374: Retail Investor Protection Act (Wagner) H.R. 4275: Cooperative and Small Employer Charity Pension Flexibility Act

Client expense: $362,503 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC)

S. Con. Res. 12: Resolution on Retirement Savings Incentives. Issue: retirement security. H.R. 837: Savings for American Families' Future Act of 2013. Issue: retirement security. S. 606 - Shrinking Emergency Account Losses Act. Issue: limits borrowing from 401(k) plan. H.R. 2035: Automatic IRA Act of 2013. Issue: retirement security H.R. 2117: Retirement Plan Simplification and Enhancement Act of 2013. Issue: retirement security H.R. 837: Saving for American Families Future Act of 2013. Issue: Savers credit enhancement S. 1145/H.R. 2171: Lifetime Income Disclosure Act. Issue: lifetime income illustration S. 1270: Secure Annuities for Employee (SAFE) Act. Issue: retirement security S.1979: Universal, Secure, Adaptable Retirement Funds Act. Issue: retirement security H.R. 2171: Retirement Security Act of 2014. Issue: retirement security H.R. 5576, the USAccounts: Investing in Americas Future Act of 2014, Kid Save accounts. No bill number: Preserving Americas Transit & Highways Act of 2014, - tracking the stretch IRA provision in it. H.R. 5263-The Living Donor Protection Act, Issue: Underwriting for long-term care H.R. 3590-The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2035 (Automatic IRA Act of 2013); H.R. 2117 (Retirement Plan Simplification and Enhancement Act of 2013); H.R. 2374 (Retail Investor Protection Act); H.R. 4619 (Permanent IRA Charitable Contribution Act of 2014);S. 606 (SEAL Act); House and Senate Sense of Congress Resolutions on Preserving Retirement Savings Tax Incentives; DOL ERISA Fiduciary Duty Rulemaking; DOL Advisory Opinion 2013-01A (Swaps and pension plans); Partial rollovers; Business Conduct Standards; Tax reform (generally, relating to retirement); Stretch IRA in Highway Trust Fund legislation; Sen. Rubio's retirement proposals (draft).

Client expense: $2,130,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Ginnie Mae, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Security Council (NSC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

See Addendum.S. 676, "The Identify Theft and Tax Fraud Protection Act of 2013". S. 1145, "Lifetime Income Disclosure Act". S. 1270, "SAFE Retirement Act of 2013". S. 1557, "Automatic IRA Act", a bill to amend the Internal Revenue Code to promote and simplify Qualified Plans. S. 1970, "The Retirement Security Act of 2014". S. 1979, "The USA Retirement Funds Act". H.R. 1534, "Small Business Add Value for Employees Act". H.R. 2117, "Retirement Plan Simplification and Enhancement Act of 2013". H.R. 2171, "Lifetime Income Disclosure Act". H.R. 837, "Savings for American Families' Future Act of 2013" - Amends the Internal Revenue Code to : (1) increase the rate of the tax credit for retirement savings contributions; (2) make such credit refundable; and (3) direct the Secretary of the Treasury to pay matching credit amounts into taxpayer retirement accounts. H.R. 2035, "Automatic IRA Act of 2013", - Amends the Internal Revenue Code to require certain employers who do not maintain qualifying retirement plans or arrangements to make available to their eligible employees a payroll deposit individual retirement account (IRA) arrangement. No Bill Number - The Universal Secure and Adaptable (USA) Retirement Fund - a proposal to increase retirement coverage. No Bill Number - A proposal relating to Tax Reform released by Chairman David Camp of the House Ways and Means Committee. No Bill Number - The Security Throughout Retirement Act - a bill regarding annuitization and lifetime income options. Dept. of Commerce proposed rule amending 15CFR, Section 1110.2. Dept. of Labor, final rule adding Section 2520.104(b)-1(c), Electronic Distribution of Disclosures Required by Title 1 of ERISA, 75 FR 19285 (4/7/11). Dept. of Labor, proposed rule amending Section 2510.3-21 c, (definition of term "fiduciary"), 75 FR 65263 (10/22/10). Dept. of Labor proposed rule amending Section 2550.404a-4, Selection of Insurers to provide guaranteed retirement income- safe harbor for individual account plans. Dept. of Labor, proposed rule amending Section 2550.408(b)(2), amendement relating to "Reasonable Contract for Arrangement - Fee Disclosure". Dept. of Labor, "Advance Notice of Proposed Rule Making (ANPRM) on Pension Benefit Statements". The ANPRM will require an illustration of participant account balances on partcipant statements in the form of lifetime income. The Bi-Partisan Budget Act of 2013 (Death Master File Provision).

Client expense: $850,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health Resources & Services Administration (HRSA), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 2035 (Automatic IRA Act of 2013); H.R. 2117 (Retirement Plan Simplification and Enhancement Act of 2013); H.R. 2374 (Retail Investor Protection Act); H.R. 4619 (Permanent IRA Charitable Contribution Act of 2014);S. 606 (SEAL Act); House and Senate Sense of Congress Resolutions on Preserving Retirement Savings Tax Incentives; DOL ERISA Fiduciary Duty Rulemaking; DOL Advisory Opinion 2013-01A (Swaps and pension plans); Partial rollovers; Business Conduct Standards; Tax reform (generally, relating to retirement); Stretch IRA in Highway Trust Fund legislation; Sen. Rubio's retirement proposals (draft).

Client expense: $2,080,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Ginnie Mae, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Security Council (NSC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

Retirement savings issues, including S. 1270, the "SAFE Retirement Act of 2013," H.R. 2035, the "Automatic IRA Act of 2013," S. 1979, the "USA Retirement Funds Act," H.R. 2117, the "Retirement Plan Simplification and Enhancement Act," and the "Tax Reform Act of 2014."

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Retirement savings issues, including S. 1270, the "SAFE Retirement Act of 2013," H.R. 2035, the "Automatic IRA Act of 2013," S. 1979, the "USA Retirement Funds Act," H.R. 2117, the "Retirement Plan Simplification and Enhancement Act," and the "Tax Reform Act of 2014."

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1270 / S. 1970 / S. 1979 - Multiple Small Employer Plans - issues relating to MEPs/MSEPs S. 1979 - Lifetime Income Disclosure & Regulatory Issues - all provisions S. 1970 - Retirement Security Act of 2014 H.R. 2035 - Automatic IRA - all provisionsN/A - Proposed DOL Fiduciary Regulations - all provisions N/A - Dodd-Frank issues at CFTC and SEC surrounding swap-related regulations including inter-affiliate swaps work N/A - GMWB Interpretive Issues in terms of possible guidance S. 1270 - Electronic Disclosure - ERISA/Internal Revenue Code - issues/provisions relating to the use of electronic disclosure by employee benefit plans N/A - Department of Labor Guidance on Self-Directed Brokerage / FAB 2012-02 Q&A 30 - issues relating to the use of self-directed brokerage by employee benefit plans N/A - Issues relating to DOL Safe Harbor for Selection of Annuity Providers S. 1979 - Issues relating to Annuity Selection Safe Harbor N/A - Issues relating to target date funds disclosures S. 1979 - USA Retirement Plans - all provisions N/A - Issues relating to guide/index for ERISA 408b-2 fee disclosures

Client expense: $1,941,500 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)