Women’s Retirement Protection Act of 2019

DOL - EBSA Request for Information - Open MEPs and Other Issues under Section 3(5) of the Employee Retirement Income Security Act (29 CFR Parts 2510). DOL - EBSA Proposed PTE for Pooled Employer Plans Under the SECURE Act and Other Multiple Employer Plans RFI (85 FR 36880 - Application No. D-12010 - Document Number: 2020-13142). DOL - EBSA - Prohibited Transactions Involving Pooled Employer Plans Under the SECURE Act and Other Multiple Employer Plans - RIN: 1210-ZA28. DOL - EBSA - Financial Factors in Selecting Plan Investments - ZRIN 1210-AB95. DOL - EBSA - Improving Investment Advice for Workers and Retirees - ZRIN 1210-ZA29. DOL - EBSA - Registration Requirements for Pooled Plan Providers - RIN 1210-AB94. DOL - EBSA - Pension Benefit Statements-Lifetime Income Illustrations - RIN 1210-AB20. DOL - EBSA - Fiduciary Duties Regarding Proxy Voting and Shareholder Rights - RIN 1210-AB91. Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions. Treasury - IRS Proposed Rulemaking: Multiple Employer Plans (26 CFR Part 1 [REG-121508-18] RIN 1545-BO97). Treasury - IRS Proposed Rulemaking: Updated Life Expectancy and Distribution Period Tables Used for Purposes of Determining Minimum Required Distributions (26 CFR Part 1 [REG-132210-18] RIN 1545-BP11). Proposals at the Department of Labor for increasing Americans' access to guaranteed lifetime income solutions. SEC - Updated Disclosure Requirements and Summary Prospectus for Variable Annuity and Variable Life Insurance Contracts (17 CFR Parts 230, 232, 239, 240, 270, and 274). The Automatic Retirement Plan Act of 2017 (H.R. 4523 - 115th Congress). The Retirement Plan Simplification Act of 2017 (H.R. 4524 - 115th Congress). Elder Protection and Abuse Prevention Act (H.R. 6744 - 115th Congress). Women's Retirement Protection Act (S.975/H.R. 2005- 116th Congress). Retirement Security Flexibility Act of 2019 (S.1020 - 116th Congress). Refund to Rainy Day Savings Act (S.1018 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). Strengthening Financial Security Through Short-Term Savings Accounts Act of 2019 (S.1019 - 116th Congress). Savings for the Future Act (H.R. 2120 - 116th Congress). Social Security 2100 Act (S.269/H.R. 860 - 116th Congress). SIMPLE Plan Modernization Act (S.322 - 116th Congress). Retirement Security Act of 2019 (S.321 - 116th Congress). Surviving Widow(er) Income Fair Treatment (SWIFT) Act (S.345 - 116th Congress). SEC Disclosure Effectiveness Testing Act (H.R. 1815 - 116th Congress). Retirement Security for American Workers Act (H.R. 1907 - 116th Congress). Senior Security Act (H.R. 1876 - 116th Congress). Expanding Access to Retirement Savings for Caregivers Act (H.R. 3078 - 116th Congress). Retirement Parity for Student Loans Act (S.1428 - 116th Congress). Legacy IRA Act (S.1257 - 116th Congress). Retirement Security Preservation Act of 2019 (S.2352 - 116th Congress). Implementation of Coronavirus Aid, Relief and Economic Security (CARES) Act (Public Law No: 116-136). DOL implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). Treasury/IRS implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020 (H.R. 6364). Securing Additional Value for Every Retirement Saver (SAVERS) Act (H.R.6562). Application of ERISA to Insurance Company General Accounts and General Account Contracts (H.R. 7278 - 115th Session). The Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act (H.R. 6800). Senior Investor Pandemic and Fraud Protection Act - House Financial Services National Security, International Development and Monetary Policy Subcommittee (Discussion Draft). The Secure and Fair Enforcement (SAFE) Banking Act (S.1200/H.R. 1595 - 116th Congress). The Servicemember Retirement Improvement Act (H.R. 905 - 116th Congress). Registered Index Linked Annuity Act (S.3795/H.R. 6994 - 116th Congress). Defense, Commerce, Justice, Science, Energy and Water Development, Financial Services and General Government, Labor, Health and Human Services, Education, Transportation, Housing, and Urban Development Appropriations Act, 2021 (H.R.7617 - 116th Congress). Retirement Savings Lost & Found Act 2020 S.4192/H.R. 7439 - 116th Congress). The Edith Shorougian Senior Victims of Fraud Compensation Act (Ediths Bill) (S.3487/H.R.7620 - 116th Congress). Addressing Missing-savings Opportunities for Retirement due to an Epidemic Act (AMORE Act) (S.4297 - 116th Congress). Military Spouses Retirement Security Act (H.R. 7927 - 116th Congress). Preserving Employee Retirement Savings Act (H.R. 8083 - 116th Congress). The E-SIGN Modernization Act. (S. 4159 - 116th Congress). The HEROES Act (H.R. 925 - 116th Congress). American Workers, Families, and Employers Assistance Act (S.4318 - 116th Congress). Retirement Savings and Security Act (S.1431 - 116th Congress). Securing a Strong Retirement Act of 2020 (H.R. 8696 - 116th Congress). Improving Access to Retirement Savings Act (S.5064 - 116th Congress). Lifetime Income for Employees Act (HR. 8990 - 116th Congress). Implementation of Continuing Appropriations Act, 2021 and Other Extensions Act (P.L. 116-159 - 116th Congress).

Client expense: $160,000 · Firm income: Not reported

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

SEC Regulation Best Interest (17 CFR Part 240). SEC Commission Interpretation Regarding Standard of Conduct for Investment Advisers; Request for Comment on Enhancing Investment Adviser Regulation (17 CFR Part 275). SEC Form CRS Relationship Summary; Amendments to Form ADV; Required Disclosures in Retail Communications and Restrictions on the use of Certain Names or Titles (17 CFR Parts 240, 249, 275 and 279). DOL EBSA Proposed PTE for Pooled Employer Plans Under the SECURE Act and Other Multiple Employer Plans RFI (85 FR 36880 - Application No. D-12010 - Document Number: 2020-13142). DOL - EBSA - Prohibited Transactions Involving Pooled Employer Plans Under the SECURE Act and Other Multiple Employer Plans - RIN: 1210-ZA28. DOL - EBSA - Financial Factors in Selecting Plan Investments - ZRIN 1210-AB95. DOL - EBSA - Improving Investment Advice for Workers and Retirees - ZRIN 1210-ZA29. DOL - EBSA - Registration Requirements for Pooled Plan Providers - RIN 1210-AB94. DOL - EBSA - Pension Benefit Statements-Lifetime Income Illustrations - RIN 1210-AB20. DOL - EBSA - Fiduciary Duties Regarding Proxy Voting and Shareholder Rights - RIN 1210-AB91. Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Public Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2013, implementation and regulatory reform. 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. Women's Retirement Protection Act (S.975/H.R. 2005 - 116th Congress). Retirement Security Flexibility Act of 2019 (S.1020 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). Primary Regulators of Insurance Vote Act of 2019 (S.1298/H.R. 2479 - 116th Congress). International Insurance Standards Act (H.R. 4592 - 116th Congress). Implementation of the Coronavirus Aid, Relief and Economic Security (CARES) Act (Public Law No: 116-136). The Registration of Linked Indexed Annuity (RILA) Act (S.3795/H.R. 6994). Securing Additional Value for Every Retirement Saver (SAVERS) Act (H.R. 6562). Application of ERISA to Insurance Company General Accounts and General Account Contracts (H.R. 7278 - 115th Session). The Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act (H.R. 6800). The Moving Forward Act (H.R. 2 - 116th Congress). Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020 (S.3533/H.R.6364- 116th Congress). The E-SIGN Modernization Act (S.4159 - 116th Congress). The HEROES Act (H.R. 925 - 116th Congress). Safe to Work Act (S. 4317- 116th Congress). Retirement Savings and Security Act (S.1431 - 116th Congress). Securing a Strong Retirement Act of 2020 (H.R. 8696 - 116th Congress). Improving Access to Retirement Savings Act (S.5064 - 116th Congress). Lifetime Income for Employees Act (HR. 8990 - 116th Congress). Implementation of Continuing Appropriations Act, 2021 and Other Extensions Act (P.L. 116-159 - 116th Congress). DOL implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). Treasury/IRS implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC - Reporting Threshold for Institutional Investment Managers - RIN 3235-AM65.

Legislative Coronavirus COVID-19 Pandemic Response - employer-sponsored retirement and other benefit plans (defined benefit and defined contribution plans) Coronavirus Preparedness and Response Supplemental Appropriations Act - H.R. 6074 (Public Law 116-123) Families First Coronavirus Response Act - H.R. 6201 (Public Law 116-127) Coronavirus Aid, Relief, and Economic Security Act (CARES) Act - H.R. 748 (Public Law 116-136) Retirement Security Act of 2019 - S. 321 Rehabilitation for Multiemployer Pensions Act - H.R. 397 Retirement Enhancement and Savings Act of 2019 - S. 972 Womens Retirement Protection Act - S.975/H.R. 2005 Family Savings Act of 2019 - H.R. 1084 Providing Retirement Security to Workers in Small Businesses, Cooperatives and Service Organizations Act - H.R. 1993 Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 - H.R. 1994 Further Consolidated Appropriations Act, 2020 - H.R 1865 & H.R. 1158 - SECURE Act - H.R. 1994 Retirement Parity for Student Loans Act - S. 1428/H.R. 6276 Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act - H.R. 6800 The Heroes Act - revised pandemic relief and economic stimulus package (House Democratic Leadership) The Retirement Security & Savings Act - S. 1431 Wall Street Tax Act of 2019 - H.R. 1516/S. 647 Inclusive Prosperity Act of 2019 - S. 1587/H.R. 2923 Encouraging Americans to Save Act - S. 5035 Chris Allen Multiemployer Pension Recapitalization and Reform Act of 2020 - S. 5045 The Improving Access to Retirement Savings Act - S. 5064 Pension and Budget Integrity Act (PBIA) - H.R. 4035 Rehabilitation for Multiemployer Pensions Act - H.R. 397 Retirement Plan Modernization Act - H.R. 5676 Information Needed for Financial Options Risk Mitigation (INFORM) Act - S. 3417 Retirement Lost and Found Act - a bill to increase portability of and access to retirement savings - S. 4192 Securing a Strong America - H.R. 8696 Retirees Sustainable Investment Policies Act - H.R. 8959 Sustainable Investment Policies Act of 2020 - H.R. 8960 Automatic 401 (k) Act Cybersecurity Defined benefit pension plan funding rules Environmental, Social and Governance (ESG) principals in investing Financial wellness Form 5500 reporting - state required plan exemptions and Professional Employer Organizations (PEOs) Pension Benefit Guaranty Corporation (PBGC) premiums Tax Incentives for 401 (k) contributions Telework practices Regulatory and Others Coronavirus COVID-19 Pandemic Response - including proposed and issued CARES and SECURE Acts guidance affecting employer-sponsored retirement and other benefit plans (defined benefit and defined contribution plans) Presidential Memorandum - protecting the pensions of American workers and calling for a review of the Pension Benefit Guaranty Corporations (PBGC) financial position. Executive Order on Regulatory Relief to Support Economic Recovery Executive Order on Promoting Energy Infrastructure and Economic Growth Executive Order on Strengthening Retirement Security in America Department of the Treasury (Treasury) and Internal Revenue Service (IRS) - Remote notarization Department of Labor (DOL), Employee Benefits Services Administration (EBSA) -Final rule amending the DOLs investment duties regulation - regarding ESG investments in retirement plans DOL - Interim Final Rule on Lifetime Income Illustration Requirements DOL/EBSA - final rule on proxy voting and shareholder rights DOL/Treasury/IRS -Pooled Employer Plans (PEPs) and Multiple Employer Plans (MEPs) - comments on registration requirements DOL/Treasury/IRS - comments on need for service crediting guidance for PEPs DOL - Default Electronic Disclosure by Employee Pension Benefits Plans - Final Rule DOL - New Investment Advice Fiduciary Rules and related Prohibited Transaction Exemption Presidential Memorandum on Deferring Payroll Tax Obligations in Light of the Ongoing COVID-19 Disaster Presidential Memorandum on Continued Student Loan Payment Relief During the COVID-19 Pandemic SEC Best Interest Final Rule - clarification of regular rate of pay application to benefits Cybersecurity Defined Benefit Plan Pension funding & stabilization reform - single employer plans Emergency savings Executive compensation ERISA pleading standards ERISA Uniformity Excise tax on private foundations Form 5500 Reporting IRS - Relief - Amended determination letter requests for statutory hybrid plans Missing Participants - Guidance on escheatment of missing participant retirement accounts Mortality Tables - Improvements Multiemployer pension plan issues Non-discrimination issues affecting defined benefit plans - Additional Temporary Nondiscrimination Relief for Closed Defined Benefit Plans Paid leave proposals and issues PBGC funding delay guidance - revisions to VRP guidance State retirement plan initiatives Plan administration - certification of hardship withdrawals and determination letter program Required minimum distribution (RMD) rules Student loan repayment benefit PBGC/IRS - withholding issue for terminating plans

H.R. 2005 - Women's Retirement Protection Act of 2019; entire bill H.R. 5676 - Retirement Plan Modernization Act; entire bill H.R. 6562 - the Securing Additional Value for Every Retirement Saver (SAVERS) Act; entire bill H.R. 6958 - To allow provide that the unused balance of a dependent care flexible spending arrangement at the end of plan year 2020 may be rolled over to the following plan year; entire bill H.R. 7008 - The Family Savings Flexibility Act; entire bill H.R. 7016 - Fairness for Early Withdrawers Act; entire bill H.R. 8406 - The Heroes Act; provisions relating to retirement plans S. 321 - Retirement Security Act of 2019; entire bill S. 322 - SIMPLE Plan Modernization Act; entire bill S. 1011 - To amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes; entire bill S. 1018 - Refund to Rainy Day Savings Act; entire bill S. 1019 - Strengthening Financial Security Through Short-Term Savings Accounts Act of 2019; entire bill S. 1020 - Retirement Flexibility Act; entire bill S. 1428 - Retirement Parity for Student Loans Act; entire bill S. 1431 - Retirement Security and Savings Act of 2019; entire bill S. 3417 - Information Needed for Financial Options Risk Mitigation (INFORM) Act; entire bill S. 4537 - Reinvigorating the Economy, Creating Opportunity for every Vocation, Employer, Retiree & Youth Act or RECOVERY Act; provisions relating to retirement security Not Yet Introduced: Proposal for an employer retirement plan requirement

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

Legislative Coronavirus COVID-19 Pandemic Response - employer-sponsored retirement and other benefit plans (defined benefit and defined contribution plans) Coronavirus Preparedness and Response Supplemental Appropriations Act - H.R. 6074 (Public Law 116-123) Families First Coronavirus Response Act - H.R. 6201 (Public Law 116-127) Coronavirus Aid, Relief, and Economic Security Act (CARES) Act - H.R. 748 (Public Law 116-136) Retirement Security Act of 2019 - S. 321 Rehabilitation for Multiemployer Pensions Act - H.R. 397 Retirement Enhancement and Savings Act of 2019 - S. 972 Womens Retirement Protection Act - S.975/H.R. 2005 Family Savings Act of 2019 - H.R. 1084 Providing Retirement Security to Workers in Small Businesses, Cooperatives and Service Organizations Act - H.R. 1993 Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 - H.R. 1994 Further Consolidated Appropriations Act, 2020 - H.R 1865 & H.R. 1158 - SECURE Act - H.R. 1994 Retirement Parity for Student Loans Act - S. 1428/H.R. 6276 Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act - H.R. 6800 The Heroes Act - revised pandemic relief and economic stimulus package (House Democratic Leadership) The Retirement Security & Savings Act - S. 1431 Wall Street Tax Act of 2019 - H.R. 1516/S. 647 Inclusive Prosperity Act of 2019 - S. 1587/H.R. 2923 Pension and Budget Integrity Act (PBIA) - H.R. 4035 Rehabilitation for Multiemployer Pensions Act - H.R. 397 Retirement Plan Modernization Act - H.R. 5676 Information Needed for Financial Options Risk Mitigation (INFORM) Act - S. 3417 Retirement Lost and Found Act - a bill to increase portability of and access to retirement savings - S. 4192 Automatic 401 (k) Act Cybersecurity Defined benefit pension plan funding rules Environmental, Social and Governance (ESG) principals in investing Financial wellness Form 5500 reporting - state required plan exemptions and Professional Employer Organizations (PEOs) Pension Benefit Guaranty Corporation (PBGC) premiums Tax Incentives for 401 (k) contributions Telework practices Regulatory and Others Coronavirus COVID-19 Pandemic Response - including proposed and issued CARES and SECURE Acts guidance affecting employer-sponsored retirement and other benefit plans (defined benefit and defined contribution plans) Executive Order on Regulatory Relief to Support Economic Recovery Executive Order on Promoting Energy Infrastructure and Economic Growth Executive Order on Strengthening Retirement Security in America Department of Labor (EBSA) proposed rule amending the DOLs investment duties regulation - regarding ESG investments in retirement plans DOL - Interim Final Rule on Lifetime Income Illustration Requirements DOL/EBSA - proposed rule on proxy voting DOL/Treasury/IRS -Pooled Employer Plans (PEPs) and Multiple Employer Plans (MEPs) - comments under SECURE Act DOL - Default Electronic Disclosure by Employee Pension Benefits Plans - Final Rule DOL - New Investment Advice Fiduciary Rules Presidential Memorandum on Deferring Payroll Tax Obligations in Light of the Ongoing COVID-19 Disaster Presidential Memorandum on Continued Student Loan Payment Relief During the COVID-19 Pandemic SEC Best Interest Final Rule - clarification of regular rate of pay application to benefits Cybersecurity Defined Benefit Plan Pension funding & stabilization reform - single employer plans Emergency savings Executive compensation ERISA pleading standards ERISA Uniformity Excise tax on private foundations Form 5500 Reporting IRS - Relief - Amended determination letter requests for statutory hybrid plans Missing Participants Mortality Tables - Improvements Multiemployer pension plan issues Non-discrimination issues affecting defined benefit plans - Additional Temporary Nondiscrimination Relief for Closed Defined Benefit Plans Paid leave proposals and issues PBGC funding delay guidance - revision to VRP guidance State retirement plan initiatives Plan administration - certification of hardship withdrawals and determination letter program Required minimum distribution (RMD) rules Student loan repayment benefit

Legislation and rulemaking affecting annuities, variable life products and retirement savings, including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions that proposed changes to the Internal Revenue Code, including, but not limited to, the Department of the Treasury's Longevity Annuity Contracts Notice of Proposed Rulemaking (REG-115809-11). Treasury - IRS Proposed Rulemaking: Updated Life Expectancy and Distribution Period Tables Used for Purposes of Determining Minimum Required Distributions (26 CFR Part 1 [REG-132210-18] RIN 1545-BP11). Treasury - IRS Proposed Rulemaking: Multiple Employer Plans (26 CFR Part 1 [REG-121508-18] RIN 1545-BO97). DOL - EBSA Request for Information - Open MEPs and Other Issues under Section 3(5) of the Employee Retirement Income Security Act (29 CFR Parts 2510). DOL - EBSA Proposed PTE for Pooled Employer Plans Under the SECURE Act and Other Multiple Employer Plans RFI (85 FR 36880 - Application No. D-12010 - Document Number: 2020-13142). DOL - EBSA - Financial Factors in Selecting Plan Investments - ZRIN 1210-AB95 Treasury Department - IRS - Multiple Employer Plans - (26 CFR Part 1 [REG-121508-18]). The Automatic Retirement Plan Act of 2017 (H.R. 4523 - 115th Congress). The Retirement Plan Simplification Act of 2017 (H.R. 4524 - 115th Congress). The Receiving Electronic Statements To Improve Retiree Earnings Act (H.R. 4610 - 115th Congress). Women's Retirement Protection Act (S.975/H.R. 2005 - 116th Congress). Retirement Security Flexibility Act of 2019 (S.1020 - 116th Congress). Refund to Rainy Day Savings Act (S.1018 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). Strengthening Financial Security Through Short-Term Savings Accounts Act of 2019 (S.1019 - 116th Congress). Savings for the Future Act (H.R. 2120 - 116th Congress). Social Security 2100 Act (S.269/H.R. 860 - 116th Congress). SIMPLE Plan Modernization Act (S.322 - 116th Congress). Retirement Security Act of 2019 (S.321 - 116th Congress). Surviving Widow(er) Income Fair Treatment (SWIFT) Act (S.345 - 116th Congress). Wall Street Tax Act of 2019 (S.647/H.R. 1516 - 116th Congress). Expanding Access to Retirement Savings for Caregivers Act (H.R. 3078 - 116th Congress). Retirement Parity for Student Loans Act (S.1428 - 116th Congress). Legacy IRA Act (S.1257 - 116th Congress). Inclusive Prosperity Act of 2019 (S.1587/H.R. 2923 - 116th Congress). Retirement Security Preservation Act of 2019 (S.2352 - 116th Congress). Securing Additional Value for Every Retirement Saver (SAVERS) Act (H.R. 6562). The Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act (H.R. 6800). The Servicemember Retirement Improvement Act (H.R. 905 - 116th Congress). The Moving Forward Act (H.R. 2 - 116th Congress). Retirement Savings Lost & Found Act 2020 S. 4192/ H.R. 7439 - 116th Congress). Addressing Missing-savings Opportunities for Retirement due to an Epidemic Act (AMORE Act) (S.4297 - 116th Congress). Military Spouses Retirement Security Act (H.R. 7927 -116th Congress). Preserving Employee Retirement Savings Act (H.R. 8083 - 116th Congress). The HEROES Act (H.R. 925 - 116th Congress). American Workers, Families, and Employers Assistance Act (S.4318 - 116th Congress). Implementation of the Coronavirus Aid, Relief and Economic Security (CARES) Act (Public Law No: 116-136). DOL implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). Treasury/IRS implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94).

SEC Regulation Best Interest (17 CFR Part 240). SEC Commission Interpretation Regarding Standard of Conduct for Investment Advisers; Request for Comment on Enhancing Investment Adviser Regulation (17 CFR Part 275). SEC Form CRS Relationship Summary; Amendments to Form ADV; Required Disclosures in Retail Communications and Restrictions on the use of Certain Names or Titles (17 CFR Parts 240, 249, 275 and 279). DOL EBSA Proposed Definition of Employer under Section 3(5) of ERISA - Association Retirement Plans and Other Multiple-Employer Plans Rule (29 CFR Part 2510). DOL EBSA Proposed Rulemaking Default Electronic Disclosure by Employee Pension Benefit Plans Under ERISA (29 CFR Part 2520 RIN 1210-AB90). DOL EBSA Proposed PTE for Pooled Employer Plans Under the SECURE Act and Other Multiple Employer Plans RFI (85 FR 36880 - Application No. D-12010 - Document Number: 2020-13142). DOL - EBSA - Prohibited Transactions Involving Pooled Employer Plans Under the SECURE Act and Other Multiple Employer Plans - RIN: 1210-ZA28. DOL - EBSA - Financial Factors in Selecting Plan Investments - ZRIN 1210-AB95. DOL - EBSA - Improving Investment Advice for Workers and Retirees - ZRIN 1210-ZA29. DOL - EBSA - Registration Requirements for Pooled Plan Providers - RIN 1210-AB94. DOL - EBSA - Pension Benefit Statements-Lifetime Income Illustrations - RIN 1210-AB20. DOL - EBSA - Fiduciary Duties Regarding Proxy Voting and Shareholder Rights - RIN 1210-AB91. Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Public Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2013, implementation and regulatory reform. 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 rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. Women's Retirement Protection Act (S.975/H.R. 2005 - 116th Congress). Retirement Security Flexibility Act of 2019 (S.1020 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). Primary Regulators of Insurance Vote Act of 2019 (S.1298/H.R. 2479 - 116th Congress). International Insurance Standards Act (H.R. 4592 - 116th Congress). Implementation of the Coronavirus Aid, Relief and Economic Security (CARES) Act (Public Law No: 116-136). The Registration of Linked Indexed Annuity (RILA) Act (S.3795/H.R. 6994). Securing Additional Value for Every Retirement Saver (SAVERS) Act (H.R. 6562). Application of ERISA to Insurance Company General Accounts and General Account Contracts (H.R. 7278 - 115th Session). The Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act (H.R. 6800). The Moving Forward Act (H.R. 2 - 116th Congress). Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020 (S.3533/H.R.6364- 116th Congress). The E-SIGN Modernization Act (S.4159 - 116th Congress). The HEROES Act (H.R. 925 - 116th Congress). Safe to Work Act (S. 4317- 116th Congress). DOL implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). Treasury/IRS implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC - Reporting Threshold for Institutional Investment Managers - RIN 3235-AM65

DOL - EBSA Proposed Definition of Employer under Section 3(5) of ERISA - Association Retirement Plans and Other Multiple-Employer Plans Rule (29 CFR Part 2510). DOL - EBSA Request for Information - Open MEPs and Other Issues under Section 3(5) of the Employee Retirement Income Security Act (29 CFR Parts 2510). DOL - EBSA Proposed Rulemaking Default Electronic Disclosure by Employee Pension Benefit Plans Under ERISA (29 CFR Part 2520 RIN 1210-AB90). DOL - EBSA Proposed PTE for Pooled Employer Plans Under the SECURE Act and Other Multiple Employer Plans RFI (85 FR 36880 - Application No. D-12010 - Document Number: 2020-13142). DOL - EBSA - Prohibited Transactions Involving Pooled Employer Plans Under the SECURE Act and Other Multiple Employer Plans - RIN: 1210-ZA28. DOL - EBSA - Financial Factors in Selecting Plan Investments - ZRIN 1210-AB95. DOL - EBSA - Improving Investment Advice for Workers and Retirees - ZRIN 1210-ZA29. DOL - EBSA - Registration Requirements for Pooled Plan Providers - RIN 1210-AB94. DOL - EBSA - Pension Benefit Statements-Lifetime Income Illustrations - RIN 1210-AB20. DOL - EBSA - Fiduciary Duties Regarding Proxy Voting and Shareholder Rights - RIN 1210-AB91. SEC Proposal - Updated Disclosure Requirements and Summary Prospectus for Variable Annuity and Variable Life Insurance Contracts (17 CFR Parts 230, 232, 239, 240, 270, and 274). Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions. Treasury - IRS Proposed Rulemaking: Multiple Employer Plans (26 CFR Part 1 [REG-121508-18] RIN 1545-BO97). Treasury - IRS Proposed Rulemaking: Updated Life Expectancy and Distribution Period Tables Used for Purposes of Determining Minimum Required Distributions (26 CFR Part 1 [REG-132210-18] RIN 1545-BP11). Proposals at the Department of Labor for increasing Americans' access to guaranteed lifetime income solutions. Department of Labor rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. The Receiving Electronic Statements to Improve Retiree Earnings Act (H.R. 4610 - 115th Congress). The Automatic Retirement Plan Act of 2017 (H.R. 4523 - 115th Congress). The Retirement Plan Simplification Act of 2017 (H.R. 4524 - 115th Congress). Elder Protection and Abuse Prevention Act (H.R. 6744 - 115th Congress). Women's Retirement Protection Act (S.975/H.R. 2005- 116th Congress). Retirement Security Flexibility Act of 2019 (S.1020 - 116th Congress). Refund to Rainy Day Savings Act (S.1018 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). Strengthening Financial Security Through Short-Term Savings Accounts Act of 2019 (S.1019 - 116th Congress). Savings for the Future Act (H.R. 2120 - 116th Congress). Social Security 2100 Act (S.269/H.R. 860 - 116th Congress). SIMPLE Plan Modernization Act (S.322 - 116th Congress). Retirement Security Act of 2019 (S.321 - 116th Congress). Surviving Widow(er) Income Fair Treatment (SWIFT) Act (S.345 - 116th Congress). SEC Disclosure Effectiveness Testing Act (H.R. 1815 - 116th Congress). Retirement Security for American Workers Act (H.R. 1907 - 116th Congress). Senior Security Act (H.R. 1876 - 116th Congress). Expanding Access to Retirement Savings for Caregivers Act (H.R. 3078 - 116th Congress). Retirement Parity for Student Loans Act (S.1428 - 116th Congress). Legacy IRA Act (S.1257 - 116th Congress). Retirement Security Preservation Act of 2019 (S.2352 - 116th Congress). Implementation of Coronavirus Aid, Relief and Economic Security (CARES) Act (Public Law No: 116-136). DOL implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). Treasury/IRS implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020 (H.R. 6364). Securing Additional Value for Every Retirement Saver (SAVERS) Act (H.R.6562). Application of ERISA to Insurance Company General Accounts and General Account Contracts (H.R. 7278 - 115th Session). The Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act (H.R. 6800). Senior Investor Pandemic and Fraud Protection Act - House Financial Services National Security, International Development and Monetary Policy Subcommittee (Discussion Draft). The Secure and Fair Enforcement (SAFE) Banking Act (S.1200/H.R. 1595 - 116th Congress). The Servicemember Retirement Improvement Act (H.R. 905 - 116th Congress). Registered Index Linked Annuity Act (S.3795/H.R. 6994 - 116th Congress). Defense, Commerce, Justice, Science, Energy and Water Development, Financial Services and General Government, Labor, Health and Human Services, Education, Transportation, Housing, and Urban Development Appropriations Act, 2021 (H.R.7617 - 116th Congress). Retirement Savings Lost & Found Act 2020 S.4192/H.R. 7439 - 116th Congress). The Edith Shorougian Senior Victims of Fraud Compensation Act (Ediths Bill) (S.3487/H.R.7620 - 116th Congress). Addressing Missing-savings Opportunities for Retirement due to an Epidemic Act (AMORE Act) (S.4297 - 116th Congress). Military Spouses Retirement Security Act (H.R. 7927 - 116th Congress). Preserving Employee Retirement Savings Act (H.R. 8083 - 116th Congress). The E-SIGN Modernization Act. (S. 4159 - 116th Congress). The HEROES Act (H.R. 925 - 116th Congress). American Workers, Families, and Employers Assistance Act (S.4318 - 116th Congress).

H.R. 2005 - Women's Retirement Protection Act of 2019; entire bill H.R. 5676 - Retirement Plan Modernization Act; entire bill H.R. 6562 - the Securing Additional Value for Every Retirement Saver (SAVERS) Act; entire bill H.R. 6958 - To allow provide that the unused balance of a dependent care flexible spending arrangement at the end of plan year 2020 may be rolled over to the following plan year; entire bill H.R. 7008 - The Family Savings Flexibility Act; entire bill H.R. 7016 - Fairness for Early Withdrawers Act; entire bill S. 321 - Retirement Security Act of 2019; entire bill S. 322 - SIMPLE Plan Modernization Act; entire bill S. 1011 - To amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes; entire bill S. 1018 - Refunds to Rainy Day Savings Act; entire bill S. 1019 - Strengthening Financial Security Through Short-Term Savings Accounts Act of 2019; entire bill S. 1020 - Retirement Flexibility Act; entire bill S. 1428 - Retirement Parity for Student Loans Act; entire bill S. 1431 - Retirement Security and Savings Act of 2019; entire bill S. 3417 - Information Needed for Financial Options Risk Mitigation (INFORM) Act; entire bill Not Yet Introduced: Proposal for an employer retirement plan requirement sponsored Rep. Richard Neal

Client expense: $90,000 · Firm income: Not reported

Legislative Coronavirus COVID-19 Pandemic Response - employer-sponsored retirement and other benefit plans (defined benefit and defined contribution plans) Coronavirus Preparedness and Response Supplemental Appropriations Act - H.R. 6074 (Public Law 116-123) Families First Coronavirus Response Act - H.R. 6201 (Public Law 116-127) Coronavirus Aid, Relief, and Economic Security Act (CARES) Act - H.R. 748 (Public Law 116-136) Retirement Security Act of 2019 - S. 321 Rehabilitation for Multiemployer Pensions Act - H.R. 397 Retirement Enhancement and Savings Act of 2019 - S. 972 Womens Retirement Protection Act - S.975/H.R. 2005 Family Savings Act of 2019 - H.R. 1084 Providing Retirement Security to Workers in Small Businesses, Cooperatives and Service Organizations Act - H.R. 1993 Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 - H.R. 1994 Further Consolidated Appropriations Act, 2020 - H.R 1865 & H.R. 1158 - SECURE Act - H.R. 1994 Retirement Parity for Student Loans Act - S. 1428/H.R. 6276 Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act - H.R. 6800 The Retirement Security & Savings Act - S. 1431 Wall Street Tax Act of 2019 - H.R. 1516/S. 647 Inclusive Prosperity Act of 2019 - S. 1587/H.R. 2923 Pension and Budget Integrity Act (PBIA) - H.R. 4035 Rehabilitation for Multiemployer Pensions Act - H.R. 397 Retirement Plan Modernization Act - H.R. 5676 Information Needed for Financial Options Risk Mitigation (INFORM) Act - S. 3417 Retirement Lost and Found Act - a bill to increase portability of and access to retirement savings - S. 4192 Automatic 401 (k) Act Cybersecurity Defined benefit pension plan funding rules Environmental, Social and Governance (ESG) principals in investing Financial wellness Form 5500 reporting - state required plan exemptions and Professional Employer Organizations (PEOs) PBGC premiums Tax Incentives for 401 (k) contributions Regulatory and Other Coronavirus COVID-19 Pandemic Response - including proposed and issued CARES Act guidance affecting employer-sponsored retirement and other benefit plans (defined benefit and defined contribution plans) Executive Order on Promoting Energy Infrastructure and Economic Growth DOL (EBSA) proposed rule amending the DOLs investment duties regulation - regarding ESG investments in retirement plans Executive Order on Strengthening Retirement Security in America SEC Best Interest Final Rule - clarification of regular rate of pay application to benefits DOL/Treasury/IRS -Pooled Employer Plans (PEPs) and Multiple Employer Plans (MEPs) - comments under SERCURE Act Department of Labor - Default Electronic Disclosure by Employee Pension Benefits Plans - Final Rule Executive compensation Cybersecurity Defined Benefit Plan Pension funding & stabilization reform DOL - determination of fiduciary status Emergency savings ERISA Uniformity Excise tax on private foundations Form 5500 Reporting Missing Participants Mortality Tables - Improvements Multiemployer pension plan issues Non-discrimination issues affecting defined benefit plans - Additional Temporary Nondiscrimination Relief for Closed Defined Benefit Plans Paid leave proposals and issues State retirement plan initiatives Plan administration - certification of hardship withdrawals and determination letter program Required minimum distribution (RMD) rules Student loan repayment benefit

DOL - EBSA Proposed Definition of Employer under Section 3(5) of ERISA - Association Retirement Plans and Other Multiple-Employer Plans Rule (29 CFR Part 2510). DOL - EBSA Request for Information - Open MEPs and Other Issues under Section 3(5) of the Employee Retirement Income Security Act (29 CFR Parts 2510). DOL - EBSA Proposed Rulemaking Default Electronic Disclosure by Employee Pension Benefit Plans Under ERISA (29 CFR Part 2520 RIN 1210-AB90). DOL - EBSA Proposed PTE for Pooled Employer Plans Under the SECURE Act and Other Multiple Employer Plans RFI (85 FR 36880 - Application No. D-12010 - Document Number: 2020-13142). DOL - EBSA Proposed Financial Factors in Selecting Plan Investments Rule (85 FR 39113 - 29 CFR 2550 - RIN: 1210-AB95 - Document Number: 2020-13705). SEC Proposal - Updated Disclosure Requirements and Summary Prospectus for Variable Annuity and Variable Life Insurance Contracts (17 CFR Parts 230, 232, 239, 240, 270, and 274). Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions. Treasury - IRS Proposed Rulemaking: Multiple Employer Plans (26 CFR Part 1 [REG-121508-18] RIN 1545-BO97). Treasury - IRS Proposed Rulemaking: Updated Life Expectancy and Distribution Period Tables Used for Purposes of Determining Minimum Required Distributions (26 CFR Part 1 [REG-132210-18] RIN 1545-BP11). Proposals at the Department of Labor for increasing Americans' access to guaranteed lifetime income solutions. Department of Labor rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. The Receiving Electronic Statements to Improve Retiree Earnings Act (H.R. 4610 - 115th Congress). The Automatic Retirement Plan Act of 2017 (H.R. 4523 - 115th Congress). The Retirement Plan Simplification Act of 2017 (H.R. 4524 - 115th Congress). Elder Protection and Abuse Prevention Act (H.R. 6744 - 115th Congress). Women's Retirement Protection Act (S.975/H.R. 2005- 116th Congress). Retirement Security Flexibility Act of 2019 (S.1020 - 116th Congress). Refund to Rainy Day Savings Act (S.1018 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). Strengthening Financial Security Through Short-Term Savings Accounts Act of 2019 (S.1019 - 116th Congress). Savings for the Future Act (H.R. 2120 - 116th Congress). Social Security 2100 Act (S.269/H.R. 860 - 116th Congress). SIMPLE Plan Modernization Act (S.322 - 116th Congress). Retirement Security Act of 2019 (S.321 - 116th Congress). Surviving Widow(er) Income Fair Treatment (SWIFT) Act (S.345 - 116th Congress). SEC Disclosure Effectiveness Testing Act (H.R. 1815 - 116th Congress). Retirement Security for American Workers Act (H.R. 1907 - 116th Congress). Senior Security Act (H.R. 1876 - 116th Congress). Expanding Access to Retirement Savings for Caregivers Act (H.R. 3078 - 116th Congress). Retirement Parity for Student Loans Act (S.1428 - 116th Congress). Legacy IRA Act (S.1257 - 116th Congress). Retirement Security Preservation Act of 2019 (S.2352 - 116th Congress). Implementation of Coronavirus Aid, Relief and Economic Security (CARES) Act (Public Law No: 116-136). DOL implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). Treasury/IRS implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020 (H.R. 6364). The Registration of Linked Indexed Annuity (RILA) Act (S.3795/H.R. 6994). Securing Additional Value for Every Retirement Saver (SAVERS) Act (H.R.6562). Application of ERISA to Insurance Company General Accounts and General Account Contracts (H.R. 7278 - 115th Session). The Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act (H.R. 6800). Senior Investor Pandemic and Fraud Protection Act - House Financial Services National Security, International Development and Monetary Policy Subcommittee (Discussion Draft). The Secure and Fair Enforcement (SAFE) Banking Act (S.1200/H.R. 1595 - 116th Congress). The Servicemember Retirement Improvement Act (H.R. 905 - 116th Congress).

SEC Regulation Best Interest (17 CFR Part 240). SEC Commission Interpretation Regarding Standard of Conduct for Investment Advisers; Request for Comment on Enhancing Investment Adviser Regulation (17 CFR Part 275). SEC Form CRS Relationship Summary; Amendments to Form ADV; Required Disclosures in Retail Communications and Restrictions on the use of Certain Names or Titles (17 CFR Parts 240, 249, 275 and 279). DOL EBSA Proposed Definition of Employer under Section 3(5) of ERISA - Association Retirement Plans and Other Multiple-Employer Plans Rule (29 CFR Part 2510). DOL EBSA Proposed Rulemaking Default Electronic Disclosure by Employee Pension Benefit Plans Under ERISA (29 CFR Part 2520 RIN 1210-AB90). DOL EBSA Proposed PTE for Pooled Employer Plans Under the SECURE Act and Other Multiple Employer Plans RFI (85 FR 36880 - Application No. D-12010 - Document Number: 2020-13142). DOL EBSA Proposed Financial Factors in Selecting Plan Investments Rule (85 FR 39113 - 29 CFR 2550 - RIN: 1210-AB95 - Document Number: 2020-13705). Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Public Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2013, implementation and regulatory reform. 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 rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. Women's Retirement Protection Act (S.975/H.R. 2005 - 116th Congress). Retirement Security Flexibility Act of 2019 (S.1020 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). Primary Regulators of Insurance Vote Act of 2019 (S.1298/H.R. 2479 - 116th Congress). International Insurance Standards Act (H.R. 4592 - 116th Congress). Implementation of the Coronavirus Aid, Relief and Economic Security (CARES) Act (Public Law No: 116-136). Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020 (H.R. 6364). The Registration of Linked Indexed Annuity (RILA) Act (S.3795/H.R. 6994). Securing Additional Value for Every Retirement Saver (SAVERS) Act (H.R. 6562). Application of ERISA to Insurance Company General Accounts and General Account Contracts (H.R. 7278 - 115th Session). The Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act (H.R. 6800). DOL implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). Treasury/IRS implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94).

Legislation and rulemaking affecting annuities, variable life products and retirement savings, including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions that proposed changes to the Internal Revenue Code, including, but not limited to, the Department of the Treasury's Longevity Annuity Contracts Notice of Proposed Rulemaking (REG-115809-11). Treasury - IRS Proposed Rulemaking: Updated Life Expectancy and Distribution Period Tables Used for Purposes of Determining Minimum Required Distributions (26 CFR Part 1 [REG-132210-18] RIN 1545-BP11). Treasury - IRS Proposed Rulemaking: Multiple Employer Plans (26 CFR Part 1 [REG-121508-18] RIN 1545-BO97). DOL - EBSA Request for Information - Open MEPs and Other Issues under Section 3(5) of the Employee Retirement Income Security Act (29 CFR Parts 2510). DOL - EBSA Proposed PTE for Pooled Employer Plans Under the SECURE Act and Other Multiple Employer Plans RFI (85 FR 36880 - Application No. D-12010 - Document Number: 2020-13142). DOL - EBSA Proposed Financial Factors in Selecting Plan Investments Rule (85 FR 39113 - 29 CFR 2550 - RIN: 1210-AB95 - Document Number: 2020-13705). Treasury Department - IRS - Multiple Employer Plans - (26 CFR Part 1 [REG-121508-18]). The Automatic Retirement Plan Act of 2017 (H.R. 4523 - 115th Congress). The Retirement Plan Simplification Act of 2017 (H.R. 4524 - 115th Congress). The Receiving Electronic Statements To Improve Retiree Earnings Act (H.R. 4610 - 115th Congress). Women's Retirement Protection Act (S.975/H.R. 2005 - 116th Congress). Retirement Security Flexibility Act of 2019 (S.1020 - 116th Congress). Refund to Rainy Day Savings Act (S.1018 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). Strengthening Financial Security Through Short-Term Savings Accounts Act of 2019 (S.1019 - 116th Congress). Savings for the Future Act (H.R. 2120 - 116th Congress). Social Security 2100 Act (S.269/H.R. 860 - 116th Congress). SIMPLE Plan Modernization Act (S.322 - 116th Congress). Retirement Security Act of 2019 (S.321 - 116th Congress). Surviving Widow(er) Income Fair Treatment (SWIFT) Act (S.345 - 116th Congress). Wall Street Tax Act of 2019 (S.647/H.R. 1516 - 116th Congress). Expanding Access to Retirement Savings for Caregivers Act (H.R. 3078 - 116th Congress). Retirement Parity for Student Loans Act (S.1428 - 116th Congress). Legacy IRA Act (S.1257 - 116th Congress). Inclusive Prosperity Act of 2019 (S.1587/H.R. 2923 - 116th Congress). Retirement Security Preservation Act of 2019 (S.2352 - 116th Congress). Securing Additional Value for Every Retirement Saver (SAVERS) Act (H.R. 6562). The Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act (H.R. 6800). The Servicemember Retirement Improvement Act (H.R. 905 - 116th Congress). Implementation of the Coronavirus Aid, Relief and Economic Security (CARES) Act (Public Law No: 116-136). DOL implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). Treasury/IRS implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94).

H.R. 748 - Coronavirus Aid, Relief and Economic Security Act (CARES Act); provisions relating to retirement H.R. 1957 - Taxpayer First Act of 2019; provisions relating to 1099 filings, e-signatures, taxpayer income verification H.R. 1993 - Providing Retirement Security to Workers in Small Businesses, Cooperatives, and Service Organizations Act of 2019; entire bill H.R. 2005 - Women's Retirement Protection Act of 2019; entire bill H.R. 2367 - Lifetime Income Disclosure Act; entire bill H.R. 5676 - Retirement Plan Modernization Act; entire bill S. 321 - Retirement Security Act of 2019; entire bill S. 322 - SIMPLE Plan Modernization Act; entire bill S. 1011 - To amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes; entire bill S. 1018 - Refunds to Rainy Day Savings Act; entire bill S. 1019 - Strengthening Financial Security Through Short-Term Savings Accounts Act of 2019; entire bill S. 1020 - Retirement Flexibility Act; entire bill S. 1428 - Retirement Parity for Student Loans Act; entire bill S. 1431 - Retirement Security and Savings Act of 2019; entire bill S. 2370 - Automatic IRA Act of 2019; entire bill Not Yet Introduced: Proposal for an employer retirement plan requirement sponsored Rep. Richard Neal

Client expense: $390,000 · Firm income: Not reported

DOL - EBSA Proposed Definition of Employer under Section 3(5) of ERISA - Association Retirement Plans and Other Multiple-Employer Plans Rule (29 CFR Part 2510). DOL - EBSA - Request for Information - Open MEPs and Other Issues under Section 3(5) of the Employee Retirement Income Security Act (29 CFR Parts 2510). DOL- EBSA Proposed Rulemaking Default Electronic Disclosure by Employee Pension Benefit Plans Under ERISA (29 CFR Part 2520 RIN 1210-AB90). SEC Proposal - Updated Disclosure Requirements and Summary Prospectus for Variable Annuity and Variable Life Insurance Contracts (17 CFR Parts 230, 232, 239, 240, 270, and 274). Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions. Treasury - IRS Proposed Rulemaking: Multiple Employer Plans (26 CFR Part 1 [REG-121508-18] RIN 1545-BO97). Treasury - IRS Proposed Rulemaking: Updated Life Expectancy and Distribution Period Tables Used for Purposes of Determining Minimum Required Distributions (26 CFR Part 1 [REG-132210-18] RIN 1545-BP11). Proposals at the Department of Labor for increasing Americans' access to guaranteed lifetime income solutions. Department of Labor rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. The Receiving Electronic Statements to Improve Retiree Earnings Act (H.R. 4610 - 115th Congress). The Automatic Retirement Plan Act of 2017 (H.R. 4523 - 115th Congress). The Retirement Plan Simplification Act of 2017 (H.R. 4524 - 115th Congress). Elder Protection and Abuse Prevention Act (H.R. 6744 - 115th Congress). Women's Retirement Protection Act (S.975/H.R. 2005- 116th Congress). A bill to provide for an additional nondiscrimination safe harbor for automatic contribution arrangements (S.1020 - 116th Congress). A bill to establish the Refund to Rainy Day Savings Program (S.1018 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). A bill to allow employers to offer short-term savings accounts with automatic contribution arrangements for financial emergencies (S.1019 - 116th Congress). Savings for the Future Act (H.R. 2120 - 116th Congress). Social Security 2100 Act (S.269/H.R. 860 - 116th Congress). SIMPLE Plan Modernization Act (S.322 - 116th Congress). Retirement Security Act of 2019 (S.321 - 116th Congress). Surviving Widow(er) Income Fair Treatment (SWIFT) Act (S.345 - 116th Congress). SEC Disclosure Effectiveness Testing Act (H.R. 1815 - 116th Congress). Retirement Security for American Workers Act (H.R. 1907 - 116th Congress). Senior Security Act (H.R. 1876 - 116th Congress). Expanding Access to Retirement Savings for Caregivers Act (H.R. 3078 - 116th Congress). Retirement Parity for Student Loans Act (S.1428 - 116th Congress). Legacy IRA Act (S.1257 - 116th Congress). Retirement Security Preservation Act of 2019 (S.2352 - 116th Congress). Division O of the Further Consolidated Appropriations Act, 2020 (H.R.1865 - 116th Congress). Coronavirus Aid, Relief and Economic Security (CARES) Act (H.R. 748 - 116th Congress). DOL implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). Treasury/IRS implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94).

SEC Regulation Best Interest (17 CFR Part 240). SEC Commission Interpretation Regarding Standard of Conduct for Investment Advisers; Request for Comment on Enhancing Investment Adviser Regulation (17 CFR Part 275). SEC Form CRS Relationship Summary; Amendments to Form ADV; Required Disclosures in Retail Communications and Restrictions on the use of Certain Names or Titles (17 CFR Parts 240, 249, 275 and 279). DOL EBSA Proposed Definition of Employer under Section 3(5) of ERISA - Association Retirement Plans and Other Multiple-Employer Plans Rule (29 CFR Part 2510). DOL EBSA Proposed Rulemaking Default Electronic Disclosure by Employee Pension Benefit Plans Under ERISA (29 CFR Part 2520 RIN 1210-AB90). Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Public Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2013, implementation and regulatory reform. 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 rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. Women's Retirement Protection Act (S.975/H.R. 2005 - 116th Congress). A bill to provide for an additional nondiscrimination safe harbor for automatic contribution arrangements (S.1020 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). Primary Regulators of Insurance Vote Act of 2019 (S.1298/H.R. 2479 - 116th Congress). Lifetime Income Disclosure Act (S.1574/H.R. 2367- 116th Congress). International Insurance Standards Act (H.R. 4592 - 116th Congress). Coronavirus Aid, Relief and Economic Security (CARES) Act (H.R. 748 - 116th Congress). DOL implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). Treasury/IRS implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94).

Legislation and rulemaking affecting annuities, variable life products and retirement savings, including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions that proposed changes to the Internal Revenue Code, including, but not limited to, the Department of the Treasury's Longevity Annuity Contracts Notice of Proposed Rulemaking (REG-115809-11). Treasury - IRS Proposed Rulemaking: Updated Life Expectancy and Distribution Period Tables Used for Purposes of Determining Minimum Required Distributions (26 CFR Part 1 [REG-132210-18] RIN 1545-BP11). Treasury - IRS Proposed Rulemaking: Multiple Employer Plans (26 CFR Part 1 [REG-121508-18] RIN 1545-BO97). DOL - EBSA - Request for Information - Open MEPs and Other Issues under Section 3(5) of the Employee Retirement Income Security Act (29 CFR Parts 2510). Treasury Department - IRS - Multiple Employer Plans - (26 CFR Part 1 [REG-121508-18]). The Automatic Retirement Plan Act of 2017 (H.R. 4523 - 115th Congress). The Retirement Plan Simplification Act of 2017 (H.R. 4524 - 115th Congress). The Receiving Electronic Statements To Improve Retiree Earnings Act (H.R. 4610 - 115th Congress). Women's Retirement Protection Act (S.975/H.R. 2005 - 116th Congress). A bill to provide for an additional nondiscrimination safe harbor for automatic contribution arrangements (S.1020 - 116th Congress). A bill to establish the Refund to Rainy Day Savings Program (S.1018 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). A bill to allow employers to offer short-term savings accounts with automatic contribution arrangements for financial emergencies (S.1019 - 116th Congress). Savings for the Future Act (H.R. 2120 - 116th Congress). Social Security 2100 Act (S.269/H.R. 860 - 116th Congress). SIMPLE Plan Modernization Act (S.322 - 116th Congress). Retirement Security Act of 2019 (S.321 - 116th Congress). Surviving Widow(er) Income Fair Treatment (SWIFT) Act (S.345 - 116th Congress). Wall Street Tax Act of 2019 (S.647/H.R. 1516 - 116th Congress). Expanding Access to Retirement Savings for Caregivers Act (H.R. 3078 - 116th Congress). Retirement Parity for Student Loans Act (S.1428 - 116th Congress). Legacy IRA Act (S.1257 - 116th Congress). Inclusive Prosperity Act of 2019 (S.1587/H.R. 2923 - 116th Congress). Retirement Security Preservation Act of 2019 (S.2352 - 116th Congress). Division O of the Further Consolidated Appropriations Act, 2020 (H.R. 1865 - 116th Congress). Coronavirus Aid, Relief and Economic Security (CARES) Act (H.R. 748 - 116th Congress). DOL implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). Treasury/IRS implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94).

Legislation and rulemaking affecting annuities, variable life products and retirement savings, including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions that proposed changes to the Internal Revenue Code, including, but not limited to, the Department of the Treasury's Longevity Annuity Contracts Notice of Proposed Rulemaking (REG-115809-11). Treasury - IRS Proposed Rulemaking: Updated Life Expectancy and Distribution Period Tables Used for Purposes of Determining Minimum Required Distributions (26 CFR Part 1 [REG-132210-18] RIN 1545-BP11). Treasury - IRS Proposed Rulemaking: Multiple Employer Plans (26 CFR Part 1 [REG-121508-18] RIN 1545-BO97). DOL - EBSA - Request for Information - Open MEPs and Other Issues under Section 3(5) of the Employee Retirement Income Security Act (29 CFR Parts 2510). Treasury Department - IRS - Multiple Employer Plans - (26 CFR Part 1 [REG-121508-18]). The Automatic Retirement Plan Act of 2017 (H.R. 4523 - 115th Congress). The Retirement Plan Simplification Act of 2017 (H.R. 4524 - 115th Congress). The Receiving Electronic Statements To Improve Retiree Earnings Act (H.R. 4610 - 115th Congress). Setting Every Community Up for Retirement Enhancement (SECURE) Act (H.R. 1994 - 116th Congress). Women's Retirement Protection Act (S.975/H.R. 2005 - 116th Congress). Retirement Enhancement and Savings Act (S.972/H.R. 1007 - 116th Congress). A bill to provide for an additional nondiscrimination safe harbor for automatic contribution arrangements (S.1020 - 116th Congress). A bill to establish the Refund to Rainy Day Savings Program (S.1018 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). A bill to allow employers to offer short-term savings accounts with automatic contribution arrangements for financial emergencies (S.1019 - 116th Congress). Savings for the Future Act (H.R. 2120 - 116th Congress). Social Security 2100 Act (S.269/H.R. 860 - 116th Congress). SIMPLE Plan Modernization Act (S.322 - 116th Congress). Retirement Security Act of 2019 (S.321 - 116th Congress). Surviving Widow(er) Income Fair Treatment (SWIFT) Act (S.345 - 116th Congress). Wall Street Tax Act of 2019 (S.647/H.R. 1516 - 116th Congress). Retirement Security for American Workers Act (H.R. 1907 - 116th Congress). A bill to avoid duplicative annual reporting under the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974, and for other purposes (S.354/H.R. 982 - 116th Congress). Expanding Access to Retirement Savings for Caregivers Act (H.R. 3078 - 116th Congress). Retirement Parity for Student Loans Act (S.1428 - 116th Congress). Legacy IRA Act (S.1257 - 116th Congress). Inclusive Prosperity Act of 2019 (S.1587/H.R. 2923 - 116th Congress). Retirement Security Preservation Act of 2019 (S.2352 - 116th Congress). Division O of the Further Consolidated Appropriations Act, 2020 (H.R. 1865 - 116th Congress).

DOL - EBSA Proposed Definition of Employer under Section 3(5) of ERISA - Association Retirement Plans and Other Multiple-Employer Plans Rule (29 CFR Part 2510). DOL - EBSA - Request for Information - Open MEPs and Other Issues under Section 3(5) of the Employee Retirement Income Security Act (29 CFR Parts 2510). DOL- EBSA Proposed Rulemaking Default Electronic Disclosure by Employee Pension Benefit Plans Under ERISA (29 CFR Part 2520 RIN 1210-AB90). SEC Proposal - Updated Disclosure Requirements and Summary Prospectus for Variable Annuity and Variable Life Insurance Contracts (17 CFR Parts 230, 232, 239, 240, 270, and 274). Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions. Treasury - IRS Proposed Rulemaking: Multiple Employer Plans (26 CFR Part 1 [REG-121508-18] RIN 1545-BO97). Treasury - IRS Proposed Rulemaking: Updated Life Expectancy and Distribution Period Tables Used for Purposes of Determining Minimum Required Distributions (26 CFR Part 1 [REG-132210-18] RIN 1545-BP11). Proposals at the Department of Labor for increasing Americans' access to guaranteed lifetime income solutions. Department of Labor rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. The Receiving Electronic Statements to Improve Retiree Earnings Act (H.R. 4610 - 115th Congress). The Automatic Retirement Plan Act of 2017 (H.R. 4523 - 115th Congress). The Retirement Plan Simplification Act of 2017 (H.R. 4524 - 115th Congress). Elder Protection and Abuse Prevention Act (H.R. 6744 - 115th Congress). Setting Every Community Up for Retirement Enhancement (SECURE) Act (H.R. 1994 - 116th Congress). Women's Retirement Protection Act (S.975/H.R. 2005- 116th Congress). Retirement Enhancement and Savings Act (S.972/H.R. 1007 - 116th Congress). A bill to provide for an additional nondiscrimination safe harbor for automatic contribution arrangements (S.1020 - 116th Congress). A bill to establish the Refund to Rainy Day Savings Program (S.1018 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). A bill to allow employers to offer short-term savings accounts with automatic contribution arrangements for financial emergencies (S.1019 - 116th Congress). Savings for the Future Act (H.R. 2120 - 116th Congress). Social Security 2100 Act (S.269/H.R. 860 - 116th Congress). SIMPLE Plan Modernization Act (S.322 - 116th Congress). Retirement Security Act of 2019 (S.321 - 116th Congress). Surviving Widow(er) Income Fair Treatment (SWIFT) Act (S.345 - 116th Congress). Increasing Access to a Secure Retirement Act (H.R. 1439 - 116th Congress). SEC Disclosure Effectiveness Testing Act (H.R. 1815 - 116th Congress). Retirement Security for American Workers Act (H.R. 1907 - 116th Congress). Senior Security Act (H.R. 1876 - 116th Congress). A bill to avoid duplicative annual reporting under the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974, and for other purposes (S.354/H.R. 982 - 116th Congress). Expanding Access to Retirement Savings for Caregivers Act (H.R. 3078 - 116th Congress). Retirement Parity for Student Loans Act (S.1428 - 116th Congress). Legacy IRA Act (S.1257 - 116th Congress). Lifetime Income Disclosure Act (S.1574/H.R. 2367 - 116th Congress). Retirement Security Preservation Act of 2019 (S.2352 - 116th Congress). Division O of the Further Consolidated Appropriations Act, 2020 (H.R.1865 - 116th Congress).

SEC Regulation Best Interest (17 CFR Part 240). SEC Commission Interpretation Regarding Standard of Conduct for Investment Advisers; Request for Comment on Enhancing Investment Adviser Regulation (17 CFR Part 275). SEC Form CRS Relationship Summary; Amendments to Form ADV; Required Disclosures in Retail Communications and Restrictions on the use of Certain Names or Titles (17 CFR Parts 240, 249, 275 and 279). DOL EBSA Proposed Definition of Employer under Section 3(5) of ERISA - Association Retirement Plans and Other Multiple-Employer Plans Rule (29 CFR Part 2510). DOL EBSA Proposed Rulemaking Default Electronic Disclosure by Employee Pension Benefit Plans Under ERISA (29 CFR Part 2520 RIN 1210-AB90). Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Public Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2013, implementation and regulatory reform. 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 rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. Setting Every Community Up for Retirement Enhancement (SECURE) Act (H.R. 1994 - 116th Congress). Women's Retirement Protection Act (S.975/H.R. 2005 - 116th Congress). Retirement Enhancement and Savings Act (S.972/H.R. 1007 - 116th Congress). A bill to provide for an additional nondiscrimination safe harbor for automatic contribution arrangements (S.1020 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). A bill to avoid duplicative annual reporting under the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974, and for other purposes (S.354/H.R. 982 - 116th Congress). Increasing Access to a Secure Retirement Act (H.R. 1439 - 116th Congress). Primary Regulators of Insurance Vote Act of 2019 (S.1298/H.R. 2479 - 116th Congress). Lifetime Income Disclosure Act (S.1574/H.R. 2367- 116th Congress). International Insurance Standards Act (H.R. 4592 - 116th Congress). Division O of the Further Consolidated Appropriations Act, 2020 (H.R. 1865 - 116th Congress).

DOL - EBSA Proposed Definition of Employer under Section 3(5) of ERISA - Association Retirement Plans and Other Multiple-Employer Plans Rule (29 CFR Part 2510). DOL - EBSA - Request for Information - Open MEPs and Other Issues under Section 3(5) of the Employee Retirement Income Security Act (29 CFR Parts 2510). SEC Proposal - Updated Disclosure Requirements and Summary Prospectus for Variable Annuity and Variable Life Insurance Contracts (17 CFR Parts 230, 232, 239, 240, 270, and 274). Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions. Treasury Department - IRS - Multiple Employer Plans - (26 CFR Part 1 [REG-121508-18]). Proposals at the Department of Labor for increasing Americans' access to guaranteed lifetime income solutions. Department of Labor rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. The Receiving Electronic Statements to Improve Retiree Earnings Act (H.R. 4610 - 115th Congress). The Automatic Retirement Plan Act of 2017 (H.R. 4523 - 115th Congress). The Retirement Plan Simplification Act of 2017 (H.R. 4524 - 115th Congress). Elder Protection and Abuse Prevention Act (H.R. 6744 - 115th Congress). Setting Every Community Up for Retirement Enhancement (SECURE) Act (H.R. 1994 - 116th Congress). Women's Retirement Protection Act (S.975/H.R. 2005- 116th Congress). Retirement Enhancement and Savings Act (S.972/H.R. 1007 - 116th Congress). A bill to provide for an additional nondiscrimination safe harbor for automatic contribution arrangements (S.1020 - 116th Congress). A bill to establish the Refund to Rainy Day Savings Program (S.1018 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). A bill to allow employers to offer short-term savings accounts with automatic contribution arrangements for financial emergencies (S.1019 - 116th Congress). Savings for the Future Act (H.R. 2120 - 116th Congress). Social Security 2100 Act (S.269/H.R. 860 - 116th Congress). SIMPLE Plan Modernization Act (S.322 - 116th Congress). Retirement Security Act of 2019 (S.321 - 116th Congress). Surviving Widow(er) Income Fair Treatment (SWIFT) Act (S.345 - 116th Congress). Increasing Access to a Secure Retirement Act (H.R. 1439 - 116th Congress). SEC Disclosure Effectiveness Testing Act (H.R. 1815 - 116th Congress). Retirement Security for American Workers Act (H.R. 1907 - 116th Congress). Senior Security Act (H.R. 1876 - 116th Congress). A bill to avoid duplicative annual reporting under the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974, and for other purposes (S.354/H.R. 982 - 116th Congress). Expanding Access to Retirement Savings for Caregivers Act (H.R. 3078 - 116th Congress). Retirement Parity for Student Loans Act (S.1428 - 116th Congress). Legacy IRA Act (S.1257 - 116th Congress). Lifetime Income Disclosure Act (S.1574/H.R. 2367 - 116th Congress). Expanding Access to Retirement Savings for Caregivers Act (H.R. 3078 - 116th Congress). Retirement Security Preservation Act of 2019 (S.2352 - 116th Congress).

SEC Regulation Best Interest (17 CFR Part 240). SEC Commission Interpretation Regarding Standard of Conduct for Investment Advisers; Request for Comment on Enhancing Investment Adviser Regulation (17 CFR Part 275). SEC Form CRS Relationship Summary; Amendments to Form ADV; Required Disclosures in Retail Communications and Restrictions on the use of Certain Names or Titles (17 CFR Parts 240, 249, 275 and 279). DOL EBSA Proposed Definition of Employer under Section 3(5) of ERISA - Association Retirement Plans and Other Multiple-Employer Plans Rule (29 CFR Part 2510). Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Public Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2013, implementation and regulatory reform. 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 rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. Setting Every Community Up for Retirement Enhancement (SECURE) Act (H.R. 1994 - 116th Congress). Women's Retirement Protection Act (S.975/H.R. 2005 - 116th Congress). Retirement Enhancement and Savings Act (S.972/H.R. 1007 - 116th Congress). A bill to provide for an additional nondiscrimination safe harbor for automatic contribution arrangements (S.1020 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). A bill to avoid duplicative annual reporting under the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974, and for other purposes (S.354/H.R. 982 - 116th Congress). Increasing Access to a Secure Retirement Act (H.R. 1439 - 116th Congress). Primary Regulators of Insurance Vote Act of 2019 (S.1298/H.R. 2479 - 116th Congress). Lifetime Income Disclosure Act (S.1574/H.R. 2367- 116th Congress). International Insurance Standards Act (H.R. 4592 - 116th Congress).

Legislation and rulemaking affecting annuities, variable life products and retirement savings, including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions that proposed changes to the Internal Revenue Code, including, but not limited to, the Department of the Treasury's Longevity Annuity Contracts Notice of Proposed Rulemaking (REG-115809-11). DOL - EBSA - Request for Information - Open MEPs and Other Issues under Section 3(5) of the Employee Retirement Income Security Act (29 CFR Parts 2510). Treasury Department - IRS - Multiple Employer Plans - (26 CFR Part 1 [REG-121508-18]). The Automatic Retirement Plan Act of 2017 (H.R. 4523 - 115th Congress). The Retirement Plan Simplification Act of 2017 (H.R. 4524 - 115th Congress). The Receiving Electronic Statements To Improve Retiree Earnings Act (H.R. 4610 - 115th Congress). Setting Every Community Up for Retirement Enhancement (SECURE) Act (H.R. 1994 - 116th Congress). Women's Retirement Protection Act (S.975/H.R. 2005 - 116th Congress). Retirement Enhancement and Savings Act (S.972/H.R. 1007 - 116th Congress). A bill to provide for an additional nondiscrimination safe harbor for automatic contribution arrangements (S.1020 - 116th Congress). A bill to establish the Refund to Rainy Day Savings Program (S.1018 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). A bill to allow employers to offer short-term savings accounts with automatic contribution arrangements for financial emergencies (S.1019 - 116th Congress). Savings for the Future Act (H.R. 2120 - 116th Congress). Social Security 2100 Act (S.269/H.R. 860 - 116th Congress). SIMPLE Plan Modernization Act (S.322 - 116th Congress). Retirement Security Act of 2019 (S.321 - 116th Congress). Surviving Widow(er) Income Fair Treatment (SWIFT) Act (S.345 - 116th Congress). Wall Street Tax Act of 2019 (S.647/H.R. 1516 - 116th Congress). Retirement Security for American Workers Act (H.R. 1907 - 116th Congress). A bill to avoid duplicative annual reporting under the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974, and for other purposes (S.354/H.R. 982 - 116th Congress). Expanding Access to Retirement Savings for Caregivers Act (H.R. 3078 - 116th Congress). Retirement Parity for Student Loans Act (S.1428 - 116th Congress). Legacy IRA Act (S.1257 - 116th Congress). Inclusive Prosperity Act of 2019 (S.1587/H.R. 2923 - 116th Congress). Retirement Security Preservation Act of 2019 (S.2352 - 116th Congress).

Legislation and rulemaking affecting annuities, variable life products and retirement savings, including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions that proposed changes to the Internal Revenue Code, including, but not limited to, the Department of the Treasury's Longevity Annuity Contracts Notice of Proposed Rulemaking (REG-115809-11). The Automatic Retirement Plan Act of 2017 (H.R. 4523 - 115th Congress). The Retirement Plan Simplification Act of 2017 (H.R. 4524 - 115th Congress). The Receiving Electronic Statements To Improve Retiree Earnings Act (H.R. 4610 - 115th Congress). Setting Every Community Up for Retirement Enhancement (SECURE) Act (H.R. 1994 - 116th Congress). Women's Retirement Protection Act (S.975/H.R. 2005 - 116th Congress). Retirement Enhancement and Savings Act (S.972/H.R. 1007 - 116th Congress). A bill to provide for an additional nondiscrimination safe harbor for automatic contribution arrangements (S.1020 - 116th Congress). A bill to establish the Refund to Rainy Day Savings Program (S.1018 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). A bill to allow employers to offer short-term savings accounts with automatic contribution arrangements for financial emergencies (S.1019 - 116th Congress). Savings for the Future Act (H.R. 2120 - 116th Congress). Social Security 2100 Act (S.269/H.R. 860 - 116th Congress). SIMPLE Plan Modernization Act (S.322 - 116th Congress). Retirement Security Act of 2019 (S.321 - 116th Congress). Surviving Widow(er) Income Fair Treatment (SWIFT) Act (S.345 - 116th Congress). Wall Street Tax Act of 2019 (S.647/H.R. 1516 - 116th Congress). Retirement Security for American Workers Act (H.R. 1907 - 116th Congress). A bill to avoid duplicative annual reporting under the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974, and for other purposes (S.354/H.R. 982 - 116th Congress). Expanding Access to Retirement Savings for Caregivers Act (H.R. 3078 - 116th Congress). Retirement Parity for Student Loans Act (S.1428 - 116th Congress). Legacy IRA Act (S.1257 - 116th Congress). Inclusive Prosperity Act of 2019 (S.1587/H.R. 2923 - 116th Congress).

SEC Regulation Best Interest (17 CFR Part 240). SEC Commission Interpretation Regarding Standard of Conduct for Investment Advisers; Request for Comment on Enhancing Investment Adviser Regulation (17 CFR Part 275). SEC Form CRS Relationship Summary; Amendments to Form ADV; Required Disclosures in Retail Communications and Restrictions on the use of Certain Names or Titles (17 CFR Parts 240, 249, 275 and 279). DOL EBSA Proposed Definition of Employer under Section 3(5) of ERISA - Association Retirement Plans and Other Multiple-Employer Plans Rule (29 CFR Part 2510). Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Public Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2013, implementation and regulatory reform. 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 rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. Setting Every Community Up for Retirement Enhancement (SECURE) Act (H.R. 1994 - 116th Congress). Women's Retirement Protection Act (S.975/H.R. 2005 - 116th Congress). Retirement Enhancement and Savings Act (S.972/H.R. 1007 - 116th Congress). A bill to provide for an additional nondiscrimination safe harbor for automatic contribution arrangements (S.1020 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). A bill to avoid duplicative annual reporting under the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974, and for other purposes (S.354/H.R. 982 - 116th Congress). Increasing Access to a Secure Retirement Act (H.R. 1439 - 116th Congress). Primary Regulators of Insurance Vote Act of 2019 (S.1298/H.R. 2479 - 116th Congress). Lifetime Income Disclosure Act (S.1574/H.R. 2367- 116th Congress).

DOL - EBSA Proposed Definition of Employer under Section 3(5) of ERISA - Association Retirement Plans and Other Multiple-Employer Plans Rule (29 CFR Part 2510). SEC Proposal - Updated Disclosure Requirements and Summary Prospectus for Variable Annuity and Variable Life Insurance Contracts (17 CFR Parts 230, 232, 239, 240, 270, and 274). Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. 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 rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. The Receiving Electronic Statements to Improve Retiree Earnings Act (H.R. 4610 - 115th Congress). The Automatic Retirement Plan Act of 2017 (H.R. 4523 - 115th Congress). The Retirement Plan Simplification Act of 2017 (H.R. 4524 - 115th Congress). Elder Protection and Abuse Prevention Act (H.R. 6744 - 115th Congress). Setting Every Community Up for Retirement Enhancement (SECURE) Act (H.R. 1994 - 116th Congress). Women's Retirement Protection Act (S.975/H.R. 2005- 116th Congress). Retirement Enhancement and Savings Act (S.972/H.R. 1007 - 116th Congress). A bill to provide for an additional nondiscrimination safe harbor for automatic contribution arrangements (S.1020 - 116th Congress). A bill to establish the Refund to Rainy Day Savings Program (S.1018 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). A bill to allow employers to offer short-term savings accounts with automatic contribution arrangements for financial emergencies (S.1019 - 116th Congress). Savings for the Future Act (H.R. 2120 - 116th Congress). Social Security 2100 Act (S.269/H.R. 860 - 116th Congress). SIMPLE Plan Modernization Act (S.322 - 116th Congress). Retirement Security Act of 2019 (S.321 - 116th Congress). Surviving Widow(er) Income Fair Treatment (SWIFT) Act (S.345 - 116th Congress). Increasing Access to a Secure Retirement Act (H.R. 1439 - 116th Congress). SEC Disclosure Effectiveness Testing Act (H.R. 1815 - 116th Congress). Retirement Security for American Workers Act (H.R. 1907 - 116th Congress). Senior Security Act (H.R. 1876 - 116th Congress). A bill to avoid duplicative annual reporting under the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974, and for other purposes (S.354/H.R. 982 - 116th Congress). Expanding Access to Retirement Savings for Caregivers Act (H.R. 3078 - 116th Congress). Retirement Parity for Student Loans Act (S.1428 - 116th Congress). Legacy IRA Act (S.1257 - 116th Congress). Lifetime Income Disclosure Act (S.1574/H.R. 2367 - 116th Congress).

DOL - EBSA Proposed Definition of Employer under Section 3(5) of ERISA - Association Retirement Plans and Other Multiple-Employer Plans Rule (29 CFR Part 2510). SEC Proposal - Updated Disclosure Requirements and Summary Prospectus for Variable Annuity and Variable Life Insurance Contracts (17 CFR Parts 230, 232, 239, 240, 270, and 274). Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. 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 rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. The Receiving Electronic Statements to Improve Retiree Earnings Act (H.R. 4610 - 115th Congress). The Lifetime Income Disclosure Act (S.868/H.R. 2055 - 115th Congress). The Automatic Retirement Plan Act of 2017 (H.R. 4523 - 115th Congress). The Retirement Plan Simplification Act of 2017 (H.R. 4524 - 115th Congress). Elder Protection and Abuse Prevention Act (H.R. 6744 - 115th Congress). Setting Every Community Up for Retirement Enhancement (SECURE) Act (H.R. 1994 - 116th Congress). Women's Retirement Protection Act (S.975/H.R. 2005- 116th Congress). Retirement Enhancement and Savings Act (S.972/H.R. 1007 - 116th Congress). A bill to provide for an additional nondiscrimination safe harbor for automatic contribution arrangements (S.1020 - 116th Congress). A bill to establish the Refund to Rainy Day Savings Program (S.1018 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). A bill to allow employers to offer short-term savings accounts with automatic contribution arrangements for financial emergencies (S.1019 - 116th Congress). Savings for the Future Act (H.R. 2120 - 116th Congress). Social Security 2100 Act (S.269/H.R. 860 - 116th Congress). SIMPLE Plan Modernization Act (S.322 - 116th Congress). Retirement Security Act of 2019 (S.321 - 116th Congress). Surviving Widow(er) Income Fair Treatment (SWIFT) Act (S.345 - 116th Congress). Increasing Access to a Secure Retirement Act (H.R. 1439 - 116th Congress). SEC Disclosure Effectiveness Testing Act (H.R. 1815 - 116th Congress). Retirement Security for American Workers Act (H.R. 1907 - 116th Congress). Senior Security Act (H.R. 1876 - 116th Congress). A bill to avoid duplicative annual reporting under the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974, and for other purposes (S.354/H.R. 982 - 116th Congress).

Legislation and rulemaking affecting annuities, variable life products and retirement savings, including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions that proposed changes to the Internal Revenue Code, including, but not limited to, the Department of the Treasury's Longevity Annuity Contracts Notice of Proposed Rulemaking (REG-115809-11). The Automatic Retirement Plan Act of 2017 (H.R. 4523 - 115th Congress). The Retirement Plan Simplification Act of 2017 (H.R. 4524 - 115th Congress). The Receiving Electronic Statements To Improve Retiree Earnings Act (H.R. 4610 - 115th Congress). Setting Every Community Up for Retirement Enhancement (SECURE) Act (H.R. 1994 - 116th Congress). Women's Retirement Protection Act (S.975/H.R. 2005 - 116th Congress). Retirement Enhancement and Savings Act (S.972/H.R. 1007 - 116th Congress). A bill to provide for an additional nondiscrimination safe harbor for automatic contribution arrangements (S.1020 - 116th Congress). A bill to establish the Refund to Rainy Day Savings Program (S.1018 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). A bill to allow employers to offer short-term savings accounts with automatic contribution arrangements for financial emergencies (S.1019 - 116th Congress). Savings for the Future Act (H.R. 2120 - 116th Congress). Social Security 2100 Act (S.269/H.R. 860 - 116th Congress). SIMPLE Plan Modernization Act (S.322 - 116th Congress). Retirement Security Act of 2019 (S.321 - 116th Congress). Surviving Widow(er) Income Fair Treatment (SWIFT) Act (S.345 - 116th Congress). Wall Street Tax Act of 2019 (S.647/H.R. 1516 - 116th Congress). Retirement Security for American Workers Act (H.R. 1907 - 116th Congress). A bill to avoid duplicative annual reporting under the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974, and for other purposes (S.354/H.R. 982 - 116th Congress).

SEC Proposed Regulation Best Interest (17 CFR Part 240). SEC Proposed Commission Interpretation Regarding Standard of Conduct for Investment Advisers; Request for Comment on Enhancing Investment Adviser Regulation (17 CFR Part 275). SEC Proposed Form CRS Relationship Summary; Amendments to Form ADV; Required Disclosures in Retail Communications and Restrictions on the use of Certain Names or Titles (17 CFR Parts 240, 249, 275 and 279). DOL EBSA Proposed Definition of Employer under Section 3(5) of ERISA - Association Retirement Plans and Other Multiple-Employer Plans Rule (29 CFR Part 2510). Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Public Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2013, implementation and regulatory reform. 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 rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. Setting Every Community Up for Retirement Enhancement (SECURE) Act (H.R. 1994 - 116th Congress). Women's Retirement Protection Act (S.975/H.R. 2005 - 116th Congress). Retirement Enhancement and Savings Act (S.972/H.R. 1007 - 116th Congress). A bill to provide for an additional nondiscrimination safe harbor for automatic contribution arrangements (S.1020 - 116th Congress). A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes (S.1011 - 116th Congress). A bill to avoid duplicative annual reporting under the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974, and for other purposes (S.354/H.R. 982 - 116th Congress). Increasing Access to a Secure Retirement Act (H.R. 1439 - 116th Congress).