Affordable Retirement Advice Protection Act

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 Senior Safe Act of 2017 (H.R. 3758, S.223), clarify existing laws to allow and encourage financial service representatives at banks and credit unions, investment advisors, and broker-dealers to report suspected financial fraud targeting seniors to regulators, law enforcement, or adult protective service agencies. The Receiving Electronic Statements to Improve Retiree Earnings Act (H.R. 4610), amends ERISA of 1974 and IRC of 1986 to provide for electronic delivery of pension plan information. The Retirement Savings Lost and Found Act of 2016 (S.3078 - 114th Congress), to increase the portability of and access to retirement savings. Financial CHOICE Act of 2017 (H.R. 10). Sen. Wyden Discussion Draft on Retirement Savings and IRAs (114th Congress). Affordable Retirement Advice for Savers Act (H.R. 2823). Affordable Retirement Advice Protection Act (S.1321). Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (H.R. 2030). The Protecting Advice for Small Savers (PASS) Act of 2017 (H.R. 3857). The Make America Secure and Prosperous Appropriations Act (H.R. 3354). The FY 2019 Labor, Health and Human Services, and Education (LHHS) funding bill (H.R. 6157). The Lifetime Income Disclosure Act (H.R. 2055, S.868). The PROSPERS Act (H.R. 2523, S.1035). Implementation of Public Law No: 115-97, the Tax Cuts and Jobs Act. The Economic Growth, Regulatory Relief and Consumer Protection Act (S.2155). The Automatic Retirement Plan Act of 2017 (H.R. 4523). The Retirement Plan Simplification Act of 2017 (H.R.4524). The Increasing Access to Secure Retirement Act (H.R.4604). The Small Businesses Add Value for Employees (SAVE) Act of 2017 (H.R. 4637). Retirement Enhancement and Savings Act of 2018 (H.R. 5282, S.2526). Consolidated Appropriations Act, 2018 (H.R. 1625). Senior Safe Act 2017 included as Title III (H.R. 2255). Retirement Security Act of 2017 (H.R. 854, S.1383). SAVE Act of 2017 (H.R. 4637). The Commission on Retirement Security Act of 2018 (S.2753). Elder Protection and Abuse Prevention Act (H.R. 6744). Retirement Security Flexibility Act of 2018 (S.3221). Small Business Employees Retirement Enhancement Act (S.3219). Family Savings Act (H.R. 6757). The Strengthening Financial Security through Short-Term Savings Act (S.3218). Senior Security Act of 2018 (H.R.6323). JOBS and Investor Confidence Act of 2018 (S.488). Retirement Security and Savings Act of 2018 (S.3781). Retirement, Savings, and Other Tax Relief Act of 2018 and the Taxpayer First Act of 2018 (H.R. 88).

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

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

H.R. 2823, Affordable Retirement Advice for Savers Act S.1321, Affordable Retirement Advice Protection Act H.R. 5282, Retirement Enhancement and Savings Act S. 2526, Retirement Enhancement and Savings Act H.R. 6757, the Family Savings Act of 2018

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

assist client with issues pertaining to retirement savings and rules, education savings and health savings; S3781 Retirement Secuirty Savings Act; S1321 Affordable Retirement Advice Protection Act; HR2823 Affordable Retirement Advice for Savers Act; HR 355 Protect American Families Retirement Advice Act; HR 5282-S2526 Retirement Enhancement and Savings Act 2018; S3221 Retirement Security Flexibility Act 2018; H.R.6540-S2474 Retirement Savings Lost and Found Act of 2018;S3242 American Savings Act;HR 7349 Savings Acct for American Act;

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2526 / H.R. 5282 - The Retirement Enhancement and Savings Act (RESA) Issue: Retirement Security S.2474 - Retirement Savings Lost and Found Act of 2018. Issue: Facilitates location of lost participants. H.R. 3857 - Protecting Advice from Small Savers Act of 2017. Issue: Nullifies the DOLs fiduciary rule. H.R. 854 - the Retirement Security for American Workers Act. Issue: expanding retirement savings plans. S. 1383: Retirement Security Act of 2017. Issue: retirement security H.R. 1 - Tax Cuts and Jobs Act. Issue: tax reform as it pertains to life insurance H.R. 1688/S. 695, Issue: Form 5500 efficiencies H.R. 2055/ S. 868 - Lifetime Income Disclosure Act. Issue: lifetime income illustration S. 1321, the Affordable Retirement Advice Protection Act. Issue: alternative to the DOL fiduciary rule H.R. 2823, the Affordable Retirement Advice for Savers Act. Issue: alternative to the DOL fiduciary rule H.R. 4610, the RETIRE Act. Issue: electronic delivery of retirement statements. H.R. 4524, the Retirement Simplification and Enhancement Act. Issue: 401(k) plan improvements and lifetime income provisions. H.R. 4523, the Automatic Retirement Plan Act. Issue: mandatory 401(k) H.R. 4637, The Small Businesses Add Value for Employees (SAVE) Act of 2017. Issue: various retirement savings improvement provisions. H.R. 4604, The Increasing Access to a Secure Retirement Act. Issue: measures to bolster Americans retirement security and annuity selection safe harbor. H.R. 3910, Amends the Internal Revenue Code of 1986 to make lifetime income and managed account options of defined contribution retirement savings plans portable. H.R. 3596, Rightsizing Pension Premiums Act of 2017: amends ERISA to alter the premiums for CSEC organizations. (Discussed this bill in the context of RESA) H.R. 1962, Retirement Security Preservation Act of 2017: provides relief to DB plans related to non-discrimination testing. (Discussed this bill in the context of RESA) HR 6990, Portable Retirement and Investment Account (PRIA) Act. Creates a government-run retirement system. S. 3781, the Retirement Security and Savings Act: Simplifies and expands retirement security S. 3771, Retirement Parity for Student Loans Act. Allows employers to provide a match to an employees retirement account in the amount of their yearly student loan payment. HR 6157, Pub.L.115-245 Appropriations for 2019 to support funding for SSA and SSDI hearing backlog. Issue: disability insurance. H.R. 5138 and HR 6128 Legislation to expand use of HSAs. S. 337/HR 947 FAMILY Act to provide for federal benefit for paid family and medical leave. Issue: disability insurance S. 3412 Extension of paid family medical leave tax credit for employers. Issue: disability insurance H.R. 3902 - Small Employer Retirement Savings Auto-Enrollment Credit Act. Issue: Retirement Security H.R. 4610, the RETIRE Act. Issue: electronic delivery of retirement statements. H.R. 4637, The Small Businesses Add Value for Employees (SAVE) Act of 2017. Issue: various retirement savings improvement provisions. Pub.L. 111-148-The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges. H.R.4225/S.2241 Draft legislation amending Affordable Care Act provisions on health exchange assessments. Issue: Health Exchange Assessments HR 1625/Public Law No: 115-141 Consolidated Appropriations Act, 2018 to support funding for SSA and SSDI hearing backlog. Issue: disability insurance. H.R. ___/S.___ Draft legislation on tax treatment and consumer financing for long-term care insurance. Issue: expanding long term care insurance coverage. H.R.____/S._____ Draft legislation to expand IRC Section 125 cafeteria plans to include long term care insurance. Issue: expanding long term care insurance. H.R. 5138 and HR 6128 Legislation to expand use of HSAs.

Client expense: $510,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 223/H.R. 3758 (Senior$afe Act of 2017); provides immunity from suit for certain individuals who disclose potential examples of financial exploitation of senior citizens. H.R. 10 (Financial CHOICE Act of 2017); converts the Consumer Financial Protection Bureau into a consumer law enforcement agency, subjects the agency to the congressional appropriations process, expanded judicial review, and additional congressional oversight, eliminates supervisory authority over financial institutions; and limits the agency's authority to take action against entities for abusive practices. H.R. 3911 (Risk-Based Credit Examination Act); amends the Securities Exchange Act of 1934 with respect to risk-based examinations of Nationally Recognized Statistical Rating Organizations. S. 1321/H.R. 2823 (Affordable Retirement Advice for Savers Act); amends the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code of 198 to repeal the Fiduciary Definition rulemaking. S. 370/S. 1804 (Repeal CFPB Act); eliminates the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. H.R. 3118/H.R. 1031; repeals the Consumer Financial Protection Act of 2010, which established the Consumer Financial Protection Bureau. H.J Res. 111; Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res.47; A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S. 2155 (Economic Growth, Regulatory Relief, and Consumer Protection Act); amends current banking and financial regulation laws. H.R. 5037 (Securities Fraud Act of 2018); provides exclusive Federal jurisdiction over civil securities fraud actions, preempting state law and regulation. S. 3421 (Blue Sky Harmonization Act); provides exclusive federal jurisdiction over civil securities fraud actions, preempting state law and regulation. General lobbying with regard to the Department of Labors conflict of interest rule. General lobbying with regard to the Department of Labors fiduciary rule. General lobbying with regard to the SEC fiduciary standard review. General lobbying on issues related to shareholder arbitration provisions.

Client expense: $1,300,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

H.R. 620, ADA Education and Reform Act of 2017 H.R. 1180, Working Families Flexibility Act of 2017 H.R. 1516/S. 636, Healthy Families Act H.R. 2723, Employee Rights Act H.R. 2775, Employee Privacy Protection Act H.R. 2776, Workforce Democracy and Fairness Act H.R. 2810, National Defense Authorization Act for Fiscal Year 2018, including provisions relating to enhanced reporting requirements for DOD contractors H.R. 3441, Save Local Business Act H.R. 3857, Protecting Advice for Small Savers (PASS) Act of 2017 H.R. 4219, Workflex in the 21st Century Act H.R. 4548, Workplace Action for a Growing Economy (WAGE) Act H.R. 5515, John S. McCain National Defense Authorization Act for Fiscal Year 2019, including provisions relating to procurement policy, contractor blacklisting, Buy America, IT acquisition, and outsourcing H.R. 5665, Accountability for Represented Workers Act H.R. 5728/ S. 2810, Workplace Democracy Act H.R. 6080/S. 3064, Workers' Freedom to Negotiate Act of 2018 H.R. 6470/S. 3158, Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2019 H.R. 6544, The Employee Rights Act of 2018 S. 1321, Affordable Retirement Advice Protection Act Nomination of Assistant Secretary, Occupational Safety and Health Administration, including Scott Mugno Nomination of members of the National Labor Relations Board, including Mark Pearce Nomination of Administrator, Wage and Hour Division, Department of Labor Nomination of Deputy Undersecretary, Bureau of International Labor Affairs, Department of Labor Nomination of Deputy Assistant Secretary, Office of Labor-Management Standards, Department of Labor Proposed regulations on the standard for determining joint employer status (83 Fed. Reg. 46,681-46,697, September 14, 2018) Final rule to improve tracking of workplace injuries and illnesses (81 Fed. Reg. 29,624-29,694, May 12, 2016) and proposal to revise final regulations (83 Fed. Reg. 36,494, July 30, 2017) Final rule regarding definition of the term Fiduciary; conflict of interest rule-retirement investment advice (81 Fed. Reg. 20,946-21,002, April 8, 2016) Final rule defining and delimiting the exemptions for executive, administrative, professional, outside sales and computer employees (81 Fed. Reg. 32,391-32,552, May 23, 2016) Request for information defining and delimiting the exemptions for executive, administrative, professional, outside sales and computer employees (82 Fed. Reg. 34,616-34,619, July 26, 2017) Proposed regulations on rescission of rule interpreting advice exemption in section 203(c) of the Labor-Management Reporting and Disclosure Act (82 Fed. Reg. 26,877-26,883, June 12, 2017) Request for Information on modifications or revocation of NLRB elections procedures regulation (82 Fed. Reg. 58,783-58,790, December 14, 2017) Department of Labor, Wage and Hour Division rulemaking on Regular Rate under the Fair Labor Standards Act, RIN 1235-AA24 National Labor Relations Board, Rulemaking on Joint Employer Status under the National Labor Relations Act, RIN 3142-AA13 Notice of proposed amendments extension of transition period and delay of applicability dates; Best Interest Contract Exemption (PTE 2016-01); Class Exemption for Principal Transactions in Certain Assets Between Investment Advice Fiduciaries and Employee Benefit Plans and IRAs (PTE 2016-02) (82 Fed. Reg. 41,365-41,376, August 31, 2017) Final rule regarding 18-month Extension of Transition Period and Delay of Applicability Dates; Best Interest Contract Exemption (PTE 2016-01); Class Exemption for Principal Transactions in Certain Assets Between Investment Advice Fiduciaries and Employee Benefit Plans and IRAs (PTE 2016-02) (82 Fed. Reg. 56,545 - 56,560, November 28, 2017) Proposed rule regarding tracking of workplace injuries and illnesses (83 Fed. Reg. 36,494-36,507, July 30, 2018) Various issues relating to ambush elections regulations by the National Labor Relations Board (NLRB); Department of Labors regulatory agenda, apprenticeship program, and persuader rule; gender-based workplace discrimination; Executive Order 13706, Establishing Paid Sick Leave for Federal Contractors; NLRB joint employer standard; paid leave; paid family leave; paid sick leave; project labor agreements (PLAs); workplace harassment; reforms to National Labor Relations Act (P.L.74-198) and the Fair Labor Standards Act (P.L. 75-178); oversight addressing the National Labor Relations Board, including implementation and oversight of the National Labor Relations Act; NLRB decisions and regulatory agenda; open multiple employer plans (MEPs); current population survey, Bureau of Labor Statistics and Bureau of Census joint program; Department of Labor interpretive bulletin relating to the exercise of shareholder rights; Department of Labor interpretive bulletin relating to the fiduciary standard under ERISA in considering economically targeted investments; flexible benefits systems for the independent workforce

Client expense: $15,950,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Office of the Vice President of the United States, Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office

Issues related to the Consumer Financial Protection Bureau and consumer financial protection, generally; H.R. 3746: Business of Insurance Regulatory Reform Act S.387: Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 1018: CFPB Constitutional Reform Act of 2017 Issues related to Department of Labor's rule redefining Fiduciary under ERISA, generally: H.R. 355: Protecting American Families' Retirement Advice Act H.R. 2823: Affordable Retirement Advice for Savers Act S. 1321: Affordable Retirement Advice Protection Act H.R. 3758: Senior Safe Act of 2017

Client expense: $340,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Postal Regulatory Commission, SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Postal Service (USPS), U.S. Trade Representative (USTR)

Legislative Protecting American Families Retirement Advice Act - H.R. 355 Pension and Budget Integrity Act of 2017 - S. 270/H.R. 761 Retirement Security for American Workers Act - H.R. 854 Retirement Security Preservation Act of 2017 - S.852/H.R. 1962 Lifetime Income Disclosure Act - S. 868/H.R. 2055 Shrinking Emergency Account Losses Act of 2017 (SEAL Act) - S. 940 Savings Enhancement by Alleviating Leakage in 401(k) Savings Act - H.R. 2030 Keep Our Pension Promises Act - S. 1076 Affordable Retirement Advice Protection Act - S. 1321 Retirement Savings Lost and Found Act of 2018 - S. 2474/H.R. 6540 Retirement Enhancement and Savings Act (RESA) of 2018 - S. 2526/H.R. 5282 The Strengthening Financial Security Through Short-Term Savings Act - S. 3218 The Small Business Employees Retirement Enhancement Act - S.3219 The Refund to Rainy Day Savings Act - S. 3220 The Retirement Flexibility Act - S. 3221 Womens Pension Protection Act of 2018 - S. 3436/H.R. 7026 Protecting Taxpayers Act - S. 3278 Encouraging Americans to Save Act - S. 3636 Affordable Retirement Advice for Savers Act - H.R. 2823 Rightsizing Pension Premiums Act - H.R. 3596 The Protecting Adviser for Small Savers (PASS) Act of 2017 - H.R. 3857 Retirement Plan Modernization Act - H.R. 4158 Workflex in the 21st Century Act - H.R. 4219 Automatic Retirement Plan Act - H.R. 4523 Retirement Plan Simplification and Enhancement Act - H.R. 4524 Increasing Access to a Secure Retirement Act of 2017 - H.R. 4604 Receiving Electronic Statements to Improve Retiree Earnings (RETIRE) Act - H.R 4610/ S. 3795 Small Business Add Value for Employees (SAVE) Act - H.R. 4637 Everyday Philanthropist Act - H.R. 6616 Tax Reform 2.0: The Family Savings Act - H.R. 6757: The Protecting Family and Small Business Tax Cuts Act - H.R. 6760; The American Innovations Act - H.R. 6756 The Portable Retirement and Investment Account Act of 2018 - H.R. 6990 Retirement Parity for Student Loans Act of 2018 - S. 3771 Retirement Security & Savings Act - S. 3781 Retirement, Savings, and Other Tax Relief Act of 2018 Tax Incentives for 401 (k) contributions Financial literacy The Bipartisan Budget Act of 2018 Consolidated Appropriations Act of 2018 Fiscal Year 2019 budget proposal - provisions affecting employer-sponsored benefits Regulatory and Other Executive Order on Strengthening Retirement Security in America ERISA Preemption Federal disaster tax, filing and reporting relief for employers and individuals Electronic communication and disclosure of benefits information Mortality tables Non-discrimination issues affecting defined benefit plans Defined benefit pension plan funding rules PBGC premiums PBGC Early Warning Program Hybrid plan rules, including Pension Equity Plans Fiduciary Definition Executive & nonqualified deferred compensation Multiple Employer Plans - MEPs Multiemployer pension plan issues State retirement plan initiatives Plan administration - certification of hardship withdrawals and determination letter program Hardship Withdrawals Lump sum payments Paid leave proposals and issues Student loan repayment benefit Missing Participants Independent Workers Emergency savings Pleading standards

Client expense: $286,066 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Equal Employment Opportunity Commission (EEOC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Policy issues relating to investment advice and retirement security, including the Financial Choice Act (H.R. 10), Protecting Advice for Small Savers Act (H.R. 3857), Affordable Retirement Advice for Savers Act (H.R. 2823), Affordable Retirement Advice Protection Act (S. 1321). Regulatory issues regarding fiduciary duties, regulation regarding best interest rules and retirement security (no specific legislation).

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

Fair Labor Standards Act Changes H.R. 2823/S. 1321, Affordable Retirement Advice Protection Act DoL Overtime Rules

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

HR 761/S270: Pension and Budget Integrity Act of 2017 - This bill prohibits provisions that increase or extend an increase of Pension Benefit Guaranty Corporation (PBGC) premiums from being counted as an offset to determine budget points of order for legislation in the House or the Senate. H.R.854 Retirement Security for American Workers Act: This bill amends the Internal Revenue Code and the Employee Retirement Income Security Act of 1974 (ERISA) to modify the qualification requirements for certain multiple employer retirement plans. A multiple employer plan that meets certain criteria may not be disqualified or otherwise lose its tax-favored status because one or more participating employers fail to take actions required with respect to the plan. The bill applies to a multiple employer defined contribution plan or a plan that consists of Individual Retirement Accounts that either: (1) is sponsored by employers that both have a common interest other than having adopted the plan and control the plan, or (2) have a pooled plan provider. The bill does not apply unless the terms of the plan require a noncompliant employer to, subject to the discretion of the Internal Revenue Service, (1) transfer assets of the plan attributable to the employees of the noncompliant employer to other specified retirement plans, and (2) be liable for plan liabilities attributable to employees of the noncompliant employer. For the purposes of this bill, a defined contribution plan that is established or maintained for the purpose of providing benefits to the employees of two or more employers and that meets certain requirements (a pooled employer plan) is treated for the purposes of ERISA as a single plan that is a multiple employer plan. The bill modifies reporting requirements under ERISA that apply to pooled employer and multiple employer plans. H.R.1688 /S.695: This bill requires the Department of the Treasury and the Department of Labor to cooperate to modify specified returns required for deferred compensation plans and other employee benefit plans to permit all members of a group of plans to file a single aggregated annual return or report satisfying the requirements of both the Internal Revenue Code and the Employee Retirement Income Security Act of 1974 (ERISA). H.R.1962/S852: Retirement Security Preservation Act of 2017 - This bill amends the Internal Revenue Code to modify the nondiscrimination requirements for certain defined benefit retirement plans that limit participation or certain features to a closed class, such as individuals who were hired before a certain date. H.R.2055/S.868: Lifetime Income Disclosure Act - This bill amends the Employee Retirement Income Security Act of 1974 (ERISA) to require pension benefit statements to include a lifetime income disclosure at least once during any 12-month period. S. 1321: The Affordable Retirement Advice Protection Act, The bill outlines a best interest standard as an alternative to the DOL fiduciary rule. H.R. 2823: The Affordable Retirement Advice for Savers Act - The bill would overturn the DOL fiduciary rule while requiring financial advisors to act in their clients best interest. The bill would also implement disclosure requirements to improve transparency. H.R.3596 - This bill amends the Employee Retirement Income Security Act of 1974 (ERISA) to: (1) modify the formula that the Pension Benefit Guaranty Corporation (PBGC) uses to calculate the funded percentage of single-employer pension plans, and (2) reduce single-employer PBGC premiums for pension plans that are sponsored by certain small employers or have specified PBGC funded percentages. H.R.3857 - The Protecting Advice For Small Savers (PASS) Act Of 2017. repeal the Department of Labor (DOL) fiduciary rule, create a best interest standard for broker-dealers, requires broker-dealers to disclose compensation they receive and any conflict of interest that exists, limit U.S. Securities and Exchange Commission (SEC) rule making authority under Section 913 of Dodd-Frank, prevent Department of Treasury and DOL from promulgating fiduciary regulations on broker-dealers under The Employee Retirement Income Security Act of 1974 (ERISA), and preempts state laws avoiding a patchwork of standards. HR. 4158: Retirement Plan Modernization Act - This bill amends the Internal Revenue Code and the Employee Retirement Income Security Act of 1974 (ERISA) to increase from $5,000 to $7,600 the amount of accrued benefits in a pension plan that may be immediately distributed without the consent of the participant. The bill also requires the increased limit to be adjusted for inflation after 2018. H.R.4523: The bill would permit unrelated employers to participate in a MEP; relieve employers with 100 or fewer employees of fiduciary duty if they participate in a MEP offered by a provider that agrees to assume fiduciary responsibility and meets certain other requirements; and retirement plan mandate. H.R.4524: "Retirement Plan Simplification and Enhancement Act of 2017" - To expand retirement coverage, preserve retirement income, simplify rules related to retirement plans. H.R.4604: "Increasing Access to a Secure Retirement Act of 2017" - Standalone annuity selection safe harbor H.R.4610: "Receiving Electronic Statements To Improve Retiree Earnings Act" - This bill amends the Employee Retirement Income Security Act of 1974 (ERISA) and the Internal Revenue Code to authorize the electronic delivery of pension plan documents required to be furnished to a plan participant, beneficiary, or other individual. H.R.4637: "SAVE Act of 2017" - To amend the Internal Revenue Code of 1986 to encourage retirement savings by modifying requirements with respect to employer-established IRAs. H.R.5282/S.2526: Retirement Enhancement and Savings Act - The bill would encourages workers to save more for retirement, and small employer retirement plan coverage, worker participation and education, and facilitates guaranteed lifetime income in retirement.

Client expense: $580,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the effect of the Department of Labor's fiduciary definition regulation and coordination of such regulation with possible SEC action on broker/dealer standard of care. H.R. 2823 Affordable Retirement Advice for Savers Act. S.1321, Affordable Retirement Advice Protection Act. Legislative proposals to address the fiduciary issue. H.R. 3857, Protecting Advice for Small Savers Act. Preemption of state fiduciary rules.

Client expense: Not reported · Firm income: $20,000

Government targets: Securities & Exchange Commission (SEC)

Background checks; Improving the National Instant Criminal Background Check System; Intimate partner violence and violence against women, as related to firearms; Mental health, as related to firearms; Trafficking of firearms; National concealed carry reciprocity; Preventing terrorists from acquiring firearms; Hate crimes with firearms; National Firearms Act; Supreme Court of the United States; Presidential Cabinet appointments; ATF white paper - Options to Reduce or Modify Firearms Regulations; Deregulation of silencers; Interstate transport of firearms; Federal firearm licensee break-ins; Appropriations; Guns in schools; Microstamping; Smart gun technology; Bump stocks; Semiautomatic firearms; Firearm accessories; Gun permitting; Firearm tracing; 3D printing of firearms; Lost and stolen firearms; Firearm prohibitors; Child access prevention laws; Violence Against Women Act; Consumer product safety; H.R. 38, Concealed Carry Reciprocity Act of 2017; H.R. 367, Hearing Protection Act; S. 59, Hearing Protection Act; S. 446, Constitutional Concealed Carry Reciprocity Act of 2017; H.R. 1181, Veterans 2nd Amendment Protection Act; H.R. 1475, Gun Trafficking Prevention Act of 2017 S. 1185, Stop Illegal Trafficking in Arms Act; H.R. 2598, Gun Violence Restraining Order Act of 2017; S. 1212, Gun Violence Prevention Order Act of 2017; H.R. 2841, Disarm Hate Act; S. 1321, Disarm Hate Act; Sportsmens Heritage and Recreational Enhancement Act (SHARE Act), Discussion Draft; H.R. 2909, D.C Personal Protection Reciprocity Act; H.R. 1537, Second Amendment Enforcement Act of 2017; H.R. 2490, To allow Members of Congress to carry a concealed firearm anywhere in the United States, with certain exceptions; H.R. 2945, To grant Members of Congress the right to carry a firearm anywhere in the United States, except in the United States Capitol; H.R. 2951, To allow Members of Congress to carry a concealed handgun anywhere in the United States, with exceptions. H.R. 3668, Sportsmens Heritage and Recreational Enhancement (SHARE) Act; H.R. 3207, Zero Tolerance for Domestic Abusers Act; S. 1539, Protecting Domestic Violence and Stalking Victims Act; H.R. 3361, SECURE Firearms Storage Act; H.R. 3576, Second Amendment Guarantee Act (SAGA); S. 1505, Silencers Help Us Save Hearing (SHUSH) Act; H.R. 3139, Hearing Protection Act; S. 2009, Background Check Expansion Act; H.R. 4240, Public Safety and Second Amendment Protection Act; H.R. 4143, Domestic Violence Records Reporting Act; H.R. 4168, Closing the Bump Stock Loophole Act; S. 2094, Domestic Violence Loophole Closure Act; S. 2129, Military Domestic Violence Reporting Enhancement Act; S. 2135, Fix NICS Act of 2017; H.R. 4434, Fix NICS Act of 2017; H.R. 4477, Fix NICS Act of 2017; H.R. 4025, Multiple Firearm Sales Reporting Modernization Act of 2017; S. 1916, Automatic Gun Fire Prevention Act; H.R. 3947, Automatic Gun Fire Prevention Act; H.R. 3999, To amend title 18, United States Code, to prohibit the manufacture, possession, or transfer of any part or combination of parts that is designed and functions to increase the rate of fire of a semiautomatic rifle but does not convert the semiautomatic rifle into a machinegun, and for other purposes; H.R. 4471, NICS Denial Notification Act; S. 2386, Veterans Second Amendment Rights Restoration Act of 2018; H.R. 1278, Ghost Guns Are Guns Act; H.R. 5088, No MAGA Act; H.R. 5087, Assault Weapons Ban of 2018; H.R. 5090, Raise the Age Act; S. 2458, Terrorist Firearms Prevention Act; S. 2475, BUMP Act; S. 2521, Federal Extreme Risk Protection Order Act; H.R. 5225, Strengthening the National Instant Criminal Background Check System Act of 2018; S. 2492, NICS Denial Notification Act; S. 2546, MASS Act; H.R. 1625, Consolidated Appropriations Act, 2018; S. 3107, FY19 Financial Services and General Government Appropriations Act; FY19 Financial Services and General Government Appropriations; FY19 Commerce, Justice, Science and Related Agencies Appropriations; S. 3072, FY19 Commerce, Justice, Science and Related Agencies Appropriations Act; FY19 Labor, Health and Human Services Appropriations; H.R. 5383, Ammunition Background Check Act of 2018; H.R. 5490, Handgun Purchaser Licensing Act; S. 2662, Handgun Purchaser Licensing Act; H.R. 5717, Jake Laird Act of 2018; S. 2974, Crime Gun Tracing Modernization Act; H.R. 5607, Handgun Licensing and Registration Act of 2018; H.R. 5134, STOP Straw Purchases Act; S. 1992, SECURE Firearms Storage Act; H.R. 6109, Start Advancing Firearms Enhancements and Technology (SAFETY) Act. H.R. 5941, Child Gun Access Prevention Act; H.R. 6075, Keeping Gun Dealers Honest Act of 2018; H.R. 3692, Stop Online Ammunition Sales Act of 2017; S. 3135, Gun Owner Registration Information Protection Act; S. 3300, The Untraceable Firearms Act of 2018; H.R. 6643, The Untraceable Firearms Act of 2018; S. 3304, 3D Printed Gun Safety Act of 2018; H.R. 6649, 3D Printed Gun Safety Act of 2018; H.R. 7027, Default Proceed Sale Transparency Act; H.R. 6545, Violence Against Women Reauthorization Act of 2018; H.R. 6691, Community Safety and Security Act; H.R. 6105, LEOSA Reform Act; H.R. 6629, No Guns for Abusers Act of 2018; H.R. 6278, AVERT Future Gun Violence Act; S. 1435, Veterans Heritage Firearms Act of 2017; S. 593, Target Practice and Marksmanship Training Support Act; H.R. 7016 PLASTIC Act; H.R. 5271 Tiahrt Restrictions Repeal Act; H.R. 5515, John S. McCain National Defense Authorization Act for Fiscal Year 2019; H.R. 6517, Department of Defense and Labor, Health and Human Services, and Education Appropriations Act, 2019 and Continuing Appropriations Act, 2019; H.R. 1556, Stop Militarizing Law Enforcement Act; H.R. 7115, 3D Firearms Prohibitions Act; H.R. 3458, MICRO ACT.

Client expense: $110,000 · Firm income: Not reported

Government targets: Bureau of Alcohol Tobacco Firearms & Explosives, HOUSE OF REPRESENTATIVES, SENATE

Background checks; Improving the National Instant Criminal Background Check System; Intimate partner violence and violence against women, as related to firearms; Mental health, as related to firearms; Trafficking of firearms; National concealed carry reciprocity; Preventing terrorists from acquiring firearms; Hate crimes with firearms; National Firearms Act; Supreme Court of the United States; Presidential Cabinet appointments; Judicial appointments; ATF white paper - Options to Reduce or Modify Firearms Regulations; Deregulation of silencers; Interstate transport of firearms; Federal firearm licensee break-ins; Appropriations; Guns in schools; Firearm suicide; Hospital-based violence intervention programs; Microstamping; Smart gun technology; Bump stocks; Semiautomatic firearms; Firearm accessories; Extreme risk protection orders; Gun permitting; Firearm exports; Firearm tracing; 3D printing of firearms; Firearm permitting; Lost and stolen firearms; Firearm prohibitors; Child access prevention laws; Violence Against Women Act; Consumer product safety; H.R. 38, Concealed Carry Reciprocity Act of 2017; H.R. 367, Hearing Protection Act; S. 59, Hearing Protection Act; S. 446, Constitutional Concealed Carry Reciprocity Act of 2017; H.R. 629, Veterans Second Amendment Protection Act; H.R. 1181, Veterans 2nd Amendment Protection Act; H.R. 1475, Gun Trafficking Prevention Act of 2017; H.R. 1478, Gun Violence Research Act; H.J. Res. 40, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Social Security Administration relating to Implementation of the NICS Improvement Amendments Act of 2007; S.J. Res. 14, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Social Security Administration relating to Implementation of the NICS Improvement Amendments Act of 2007; S. 1185, Stop Illegal Trafficking in Arms Act; S. 834, Authorize the appropriation of funds to the Centers for Disease Control and Prevention for conducting or supporting research on firearms safety or gun violence prevention; H.R. 1832, Authorize the appropriation of funds to the Centers for Disease Control and Prevention for conducting or supporting research on firearms safety or gun violence prevention; H.R. 2598, Gun Violence Restraining Order Act of 2017; S. 1212, Gun Violence Prevention Order Act of 2017; H.R. 34, Safe Students Act; H.R. 2841, Disarm Hate Act; S. 1321, Disarm Hate Act; H.R. 2670, Protecting Domestic Violence and Stalking Victims Act; Sportsmens Heritage and Recreational Enhancement Act (SHARE Act), Discussion Draft; H.R. 2909, D.C Personal Protection Reciprocity Act; H.R. 1537, Second Amendment Enforcement Act of 2017; H.R. 2490, To allow Members of Congress to carry a concealed firearm anywhere in the United States, with certain exceptions; H.R. 2945, To grant Members of Congress the right to carry a firearm anywhere in the United States, except in the United States Capitol; H.R. 2951, To allow Members of Congress to carry a concealed handgun anywhere in the United States, with exceptions; H.R. 3668, Sportsmens Heritage and Recreational Enhancement (SHARE) Act; H.R. 3207, Zero Tolerance for Domestic Abusers Act; S. 1539, Protecting Domestic Violence and Stalking Victims Act; H.R. 3361, SECURE Firearms Storage Act; H.R. 3576, Second Amendment Guarantee Act (SAGA); S. 1505, Silencers Help Us Save Hearing (SHUSH) Act; H.R. 3139, Hearing Protection Act; S. 2009, Background Check Expansion Act; H.R. 4240, Public Safety and Second Amendment Protection Act; H.R. 4143, Domestic Violence Records Reporting Act; H.R. 4168, Closing the Bump Stock Loophole Act; S. 2094, Domestic Violence Loophole Closure Act; S. 2129, Military Domestic Violence Reporting Enhancement Act; S. 2135, Fix NICS Act of 2017; H.R. 4434, Fix NICS Act of 2017; H.R. 4477, Fix NICS Act of 2017; H.R. 4025, Multiple Firearm Sales Reporting Modernization Act of 2017; S. 1916, Automatic Gun Fire Prevention Act; H.R. 3947, Automatic Gun Fire Prevention Act; H.R. 3999, To amend title 18, United States Code, to prohibit the manufacture, possession, or transfer of any part or combination of parts that is designed and functions to increase the rate of fire of a semiautomatic rifle but does not convert the semiautomatic rifle into a machinegun, and for other purposes; H.R. 4471, NICS Denial Notification Act; H.R. 3267, Commerce, Justice, Science, and Related Agencies Appropriations Act, 2018; H.R. 3358, Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2018; H.R. 3280, Financial Services and General Government Appropriations Act, 2018; H.R. Legislative Branch Appropriations Act, 2018; S. 1648, Legislative Branch Appropriations Act, 2018; S. 1771, Departments of Labor, Health and Human Services, Education, and Related Agencies Appropriations Act, 2018; S. 1662, Commerce, Justice, Science, and Related Agencies Appropriations Act, 2018; S. 2386, Veterans Second Amendment Rights Restoration Act of 2018; H.R. 1278, Ghost Guns Are Guns Act; H.R. 5088, No MAGA Act; H.R. 5087, Assault Weapons Ban of 2018; H.R. 5090, Raise the Age Act; S. 2458, Terrorist Firearms Prevention Act; S. 2475, BUMP Act; S. 2521, Federal Extreme Risk Protection Order Act; H.R. 5225, Strengthening the National Instant Criminal Background Check System Act of 2018; S. 2492, NICS Denial Notification Act; S. 2546, MASS Act; H.R. 1625, Consolidated Appropriations Act, 2018; S. 3107, FY19 Financial Services and General Government Appropriations Act; FY19 Financial Services and General Government Appropriations; FY19 Commerce, Justice, Science and Related Agencies Appropriations; S. 3072, FY19 Commerce, Justice, Science and Related Agencies Appropriations Act; FY19 Labor, Health and Human Services Appropriations; FY19 Department of Defense Appropriations; H.R. 5383, Ammunition Background Check Act of 2018; H.R. 5490, Handgun Purchaser Licensing Act; S. 2662, Handgun Purchaser Licensing Act; H.R. 5717, Jake Laird Act of 2018; S. 2974, Crime Gun Tracing Modernization Act; H.R. 5607, Handgun Licensing and Registration Act of 2018; H.R. 5134, STOP Straw Purchases Act; S. 1992, SECURE Firearms Storage Act; H.R. 6109, Start Advancing Firearms Enhancements and Technology (SAFETY) Act; H.R. 5941, Child Gun Access Prevention Act; H.R. 6075, Keeping Gun Dealers Honest Act of 2018; H.R. 3692, Stop Online Ammunition Sales Act of 2017; S. 3135, Gun Owner Registration Information Protection Act; S. 3300, The Untraceable Firearms Act of 2018; H.R. 6643, The Untraceable Firearms Act of 2018; S. 3304, 3D Printed Gun Safety Act of 2018; H.R. 6649, 3D Printed Gun Safety Act of 2018; H.R. 7027, Default Proceed Sale Transparency Act; H.R. 6545, Violence Against Women Reauthorization Act of 2018; H.R. 6747, Protecting Our Communities and Rights Act of 2018; H.R. 6105, LEOSA Reform Act; H.R. 6629, No Guns for Abusers Act of 2018; H.R. 6278, AVERT Future Gun Violence Act; S. 593, Target Practice and Marksmanship Training Support Act; H.R. 7017, PLASTIC Act; H.R. 5271, Tiahrt Restrictions Repeal Act; H.R. 5515, John S. McCain National Defense Authorization Act for Fiscal Year 2019; H.R. 6517, Department of Defense and Labor, Health and Human Services, and Education Appropriations Act, 2019 and Continuing Appropriations Act, 2019; H.R. 1556, Stop Militarizing Law Enforcement Act; H.R. 7115, 3D Firearms Prohibitions Act; H.R. 3458, MICRO Act.

Client expense: $110,000 · Firm income: Not reported

Government targets: Bureau of Alcohol Tobacco Firearms & Explosives, HOUSE OF REPRESENTATIVES, SENATE

S. 223/H.R. 3758 (Senior$afe Act of 2017); provides immunity from suit for certain individuals who disclose potential examples of financial exploitation of senior citizens. H.R. 10 (Financial CHOICE Act of 2017); converts the Consumer Financial Protection Bureau into a consumer law enforcement agency, subjects the agency to the congressional appropriations process, expanded judicial review, and additional congressional oversight, eliminates supervisory authority over financial institutions; and limits the agency's authority to take action against entities for abusive practices. H.R. 3911 (Risk-Based Credit Examination Act); amends the Securities Exchange Act of 1934 with respect to risk-based examinations of Nationally Recognized Statistical Rating Organizations. S. 1321/H.R. 2823 (Affordable Retirement Advice for Savers Act); amends the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code of 198 to repeal the Fiduciary Definition rulemaking. S. 370/S. 1804 (Repeal CFPB Act); eliminates the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. H.R. 3118/H.R. 1031; repeals the Consumer Financial Protection Act of 2010, which established the Consumer Financial Protection Bureau. H.J Res. 111; Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res.47; A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S. 2155 (Economic Growth, Regulatory Relief, and Consumer Protection Act); amends current banking and financial regulation laws. H.R. 5037 (Securities Fraud Act of 2018); provides exclusive Federal jurisdiction over civil securities fraud actions, preempting state law and regulation. General lobbying with regard to the Department of Labors conflict of interest rule. General lobbying with regard to the Department of Labors fiduciary rule. General lobbying with regard to the SEC fiduciary standard review. General lobbying on issues related to shareholder arbitration.

Client expense: $1,430,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, SENATE

Issues related to retirement security including: retirement plan standards, savings initiatives, best interest standard of care, lifetime income opportunities and pension reform. HR 854 The Retirement Security for American Workers Act. Issue: expanding retirement savings plans. S 1383 Retirement Security Act of 2017. Issue: retirement security. PL 111-148 The Patient Protection and Affordable Care Act. Issue: assessments under state-based insurance exchanges. HR 2055 / S 868 Lifetime Income Disclosure Act. Issue: lifetime income illustration. Draft legislation to facilitate disability income insurance options for employees. HR 2823 The Affordable Retirement Advice for Savers Act. Issue: fiduciary rule. S 1321 The Affordable Retirement Advice Protection Act. Issue: fiduciary rule. HR 2030 Savings Enhancement by Alleviating Leakage in 401(k) Savings Act. Issue: retirement savings leakage. S 2526 / HR 5282 The Retirement Enhancement and Savings Act (RESA). Issue: retirement security. HR 4610 The RETIRE Act. Issue: electronic delivery of retirement statements. HR 4524 The Retirement Simplification and Enhancement Act. Issue: 401(k) plan improvements and lifetime income provisions. HR 4523 The Automatic Retirement Plan Act. Issue: mandatory 401(k). HR 4637 The Small Business Add Value for Employees (SAVE) Act of 2017. Issue: retirement savings improvement provisions. HR 4604 The Increasing Access to a Secure Retirement Act. Issue: measures to bolster Americans' retirement security and annuity selection safe harbor. PL 111-148 The Patient Protection and Affordable Care Act. Issue: assessments under state-based insurance exchanges. S 2241 / HR 4225 Legislation amending the Affordable Care Act provision on health exchange assessments. Issue: health exchange assessments.

Client expense: $300,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1 (An Act to provide for reconciliation pursuant to titles II and V of the concurrent resolution on the budget for fiscal year 2018); H.R. 355 (Protecting American Families' Retirement Advice Act); H.R. 854 (Retirement Security for American Workers Act); H.R. 2823 (Affordable Retirement Advice for Savers Act); H.R. 3857 (PASS Act of 2017); H.R. 4158 (Retirement Plan Modernization Act); H.R. 4189 (IRA Preservation Act of 2017); H.R. 4523 (Automatic Retirement Plan Act of 2017); H.R. 4604 (Increasing Access to a Secure Retirement Act of 2017); H.R. 4610 (Receiving Electronic Statements To Improve Retiree Earnings Act); H.R. 5282 (Retirement Enhancement and Savings Act of 2018); S. 178 (Elder Abuse Prevention and Prosecution Act); S. 1321 (Affordable Retirement Advice Protection Act); S. 2526 (Retirement Enhancement and Savings Act of 2018); DOL ERISA Fiduciary Duty Rulemaking; Tax incentives for retirement savings; SEC proposed Regulation Best Interest.

Client expense: $1,350,000 · Firm income: Not reported

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

Issues related to the Department of Labor final fiduciary rule. H.R. 2823, Affordable Retirement Advice for Savers Act S.1321, Affordable Retirement Advice Protection Act H.R. 5282, Retirement Enhancement and Savings Act S. 2526, Retirement Enhancement and Savings Act H.R. 6757, the Family Savings Act of 2018

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1083 - American Savings Account Act of 2017; entire bill H.R. 2030 - Savings Enhancement by Alleviating Leakage in 401(k) Savings (SEAL) Act; entire bill H.R. 4523 - Automatic Retirement Plan Act of 2017; entire bill H.R. 4524 - Retirement Plan Simplification and Enhancement Act of 2017; entire bill H.R. 4604 - Increasing Access to a Secure Retirement Act of 2017; entire bill H.R. 4610 - Receiving Electronic Statements to Improve Retiree Earnings Act; entire bill H.R. 4637 - Small Businesses Add Value for Employees Act of 2017 or SAVE Act; entire bill H.R. 4997 - Giving Retirement Options to Workers Act of 2018 or the GROW Act; entire bill H.R. 5282, the Retirement Enhancement and Savings Act (RESA); entire bill S. 1035 - Preserve Rights Of States and Political Subdivisions to Encourage Retirement Savings Act (PROSPERS Act); entire bill S. 1321 - Affordable Retirement Advice Protection Act; entire bill S. 1379 - Graduate Student Savings Act of 2017; entire bill S. 1383 - Retirement Security Act of 2017; entire bill S. 1861 - Automatic IRA Act of 2017; entire bill S. 2526 - Retirement Enhancement and Savings Act of 2018; entire bill S. 2753 - Commission on Retirement Security Act of 2018; entire bill Not Yet Introduced: Savings Accounts legislation (Rep. Himes, Sen. Klobuchar)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 223/H.R. 3758 (Senior$afe Act of 2017); provides immunity from suit for certain individuals who disclose potential examples of financial exploitation of senior citizens. H.R. 10 (Financial CHOICE Act of 2017); converts the Consumer Financial Protection Bureau into a consumer law enforcement agency, subjects the agency to the congressional appropriations process, expanded judicial review, and additional congressional oversight, eliminates supervisory authority over financial institutions; and limits the agency's authority to take action against entities for abusive practices. H.R. 3911 (Risk-Based Credit Examination Act); amends the Securities Exchange Act of 1934 with respect to risk-based examinations of Nationally Recognized Statistical Rating Organizations. S. 1321/H.R. 2823 (Affordable Retirement Advice for Savers Act); amends the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code of 198 to repeal the Fiduciary Definition rulemaking. S. 370/S. 1804 (Repeal CFPB Act); eliminates the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. H.R. 3118/H.R. 1031; repeals the Consumer Financial Protection Act of 2010, which established the Consumer Financial Protection Bureau. H.J Res. 111; Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res.47; A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S. 2155 (Economic Growth, Regulatory Relief, and Consumer Protection Act); amends current banking and financial regulation laws. H.R. 5037 (Securities Fraud Act of 2018); provides exclusive Federal jurisdiction over civil securities fraud actions, preempting state law and regulation. S. 3421 (Blue Sky Harmonization Act); provides exclusive federal jurisdiction over civil securities fraud actions, preempting state law and regulation. General lobbying with regard to the Department of Labors conflict of interest rule. General lobbying with regard to the Department of Labors fiduciary rule. General lobbying with regard to the SEC fiduciary standard review. General lobbying on issues related to shareholder arbitration provisions.

Client expense: $1,510,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

assist client with issues pertaining to retirement savings and rules, education savings and health savings; HR 4524 Retirement Plan Simplification and Enhancement Act 2017; H.R.3499 Automatic IRA Act 2017. S1383 Retirement Security Act of 2017;S1321 Affordable Retirement Advice Protection Act; HR2823 Affordable Retirement Advice for Savers Act; HR 355 Protect American Families Retirement Advice Act; HR 5282-S 2526 Retirement Enhancement and Savings Act 2018; S3221 Retirement Security Flexibility Act 2018; H.R.6540 Retirement Savings Lost and Found Act of 2018.

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2526 / H.R. 5282 - The Retirement Enhancement and Savings Act (RESA) Issue: Retirement Security S.2474 - Retirement Savings Lost and Found Act of 2018. Issue: Facilitates location of lost participants. H.R. 3857 - Protecting Advice from Small Savers Act of 2017. Issue: Nullifies the DOLs fiduciary rule. H.R. 854 - the Retirement Security for American Workers Act. Issue: expanding retirement savings plans. S. 1383: Retirement Security Act of 2017. Issue: retirement security H.R. 1 - Tax Cuts and Jobs Act. Issue: tax reform as it pertains to life insurance H.R. 1688/S. 695, Issue: Form 5500 efficiencies H.R. 2055/ S. 868 - Lifetime Income Disclosure Act. Issue: lifetime income illustration S. 1321, the Affordable Retirement Advice Protection Act. Issue: alternative to the DOL fiduciary rule H.R. 2823, the Affordable Retirement Advice for Savers Act. Issue: alternative to the DOL fiduciary rule H.R. 3902 - Small Employer Retirement Savings Auto-Enrollment Credit Act. Issue: Retirement Security H.R. 4610, the RETIRE Act. Issue: electronic delivery of retirement statements. H.R. 4524, the Retirement Simplification and Enhancement Act. Issue: 401(k) plan improvements and lifetime income provisions. H.R. 4523, the Automatic Retirement Plan Act. Issue: mandatory 401(k) H.R. 4637, The Small Businesses Add Value for Employees (SAVE) Act of 2017. Issue: various retirement savings improvement provisions. H.R. 4604, The Increasing Access to a Secure Retirement Act. Issue: measures to bolster Americans retirement security and annuity selection safe harbor. H.R. 3910, Amends the Internal Revenue Code of 1986 to make lifetime income and managed account options of defined contribution retirement savings plans portable. H.R. 1962, Retirement Security Preservation Act of 2017: provides relief to DB plans related to non-discrimination testing. (Discussed this bill in the context of RESA) HR 6990, Portable Retirement and Investment Account (PRIA) Act. Creates a government-run retirement system. Pub.L. 111-148-The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges. H.R.4225/S.2241 Draft legislation amending Affordable Care Act provisions on health exchange assessments. Issue: Health Exchange Assessments HR 1625/Public Law No: 115-141 Consolidated Appropriations Act, 2018 to support funding for SSA and SSDI hearing backlog. Issue: disability insurance. H.R. ___/S.___ Draft legislation on tax treatment and consumer financing for long-term care insurance. Issue: expanding long term care insurance coverage. H.R.____/S._____ Draft legislation to expand IRC Section 125 cafeteria plans to include long term care insurance. Issue: expanding long term care insurance. H.R.___/S._____ Draft legislation to allow auto enrollment of private disability insurance in employer provided plans. H.R. 5138 and HR 6128 Legislation to expand use of HSAs.

Client expense: $430,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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. Securities and Exchange Commission proposed rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. The Retirement Choice Protection Act (H.R. 3922 - 114th Congress), DOL fiduciary rulemaking. The SAVERS Act (H.R. 4294, S.2505 - 114th Congress), DOL fiduciary rulemaking. The SAVE Act (H.R. 4067 - 114th Congress), improve existing SIMPLE IRA and SIMPLE 401(k) retirement plans to make it easier for small businesses to offer savings plans to their employees. Womens Pension Protection Act (S.2110 - 114th Congress), strengthen consumer protections to safeguard retirement savings, improve access to retirement savings plans for long-term, part-time workers - the majority of whom are women - and help increase womens financial literacy. The Senior Safe Act of 2017 (H.R. 3758, S.223), clarify existing laws to allow and encourage financial service representatives at banks and credit unions, investment advisors, and broker-dealers to report suspected financial fraud targeting seniors to regulators, law enforcement, or adult protective service agencies. The Receiving Electronic Statements to Improve Retiree Earnings Act (H.R. 4610), amends ERISA of 1974 and IRC of 1986 to provide for electronic delivery of pension plan information. The Retirement Savings Lost and Found Act of 2016 (S.3078 - 114th Congress), to increase the portability of and access to retirement savings. Financial CHOICE Act of 2017 (H.R. 10). Secure, Accessible, Valuable, Efficient Universal Pension Accounts (SAVE UPs) Act (H.R. 5731 - 114th Congress). Sen. Wyden Discussion Draft on Retirement Savings and IRAs (114th Congress). Affordable Retirement Advice for Savers Act (H.R. 2823). Affordable Retirement Advice Protection Act (S.1321). Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (H.R. 2030). The Protecting Advice for Small Savers (PASS) Act of 2017 (H.R. 3857). The Make America Secure and Prosperous Appropriations Act (H.R. 3354). The FY 2018 Labor, Health and Human Services, and Education (LHHS) funding bill (H.R. 3358). The FY 2018 Budget Resolution (H.R. Con. Res. 71). Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by States for non-governmental employees (H.J. Res 66). Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by qualified State political subdivisions for non-governmental employees (H.J. Res 67). The Lifetime Income Disclosure Act (H.R. 2055, S.868). The PROSPERS Act (H.R. 2523, S.1035). Implementation of Public Law No: 115-97, the Tax Cuts and Jobs Act. The Economic Growth, Regulatory Relief and Consumer Protection Act (S.2155). The Automatic Retirement Plan Act of 2017 (H.R. 4523). The Retirement Plan Simplification Act of 2017 (H.R.4524). The Increasing Access to Secure Retirement Act (H.R.4604). The Small Businesses Add Value for Employees (SAVE) Act of 2017 (H.R. 4637). Retirement Enhancement and Savings Act of 2018 (H.R. 5282, S.2526). Consolidated Appropriations Act, 2018 (H.R. 1625). Senior Safe Act 2017 included as Title III (H.R. 2255). Retirement Security Act of 2017 (H.R. 854, S.1383). SAVE Act of 2017 (H.R. 4637). The Labor, Health and Human Services, Education and Related Agencies Appropriations Act of 2019 (S.3158). The Commission on Retirement Security Act of 2018 (S.2753). Elder Protection and Abuse Prevention Act (H.R. 6744). Retirement Security Flexibility Act of 2018 (S.3221). Small Business Employees Retirement Enhancement Act (S.3219). Family Savings Act (H.R. 6757). The Strengthening Financial Security through Short-Term Savings Act (S.3218). Senior Security Act of 2018 (H.R.6323). JOBS and Investor Confidence Act of 2018 (S.488).

Client expense: $80,000 · Firm income: Not reported

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

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. A bill to amend the Employee Retirement Income Security Act of 1974 to require disclosure of lifetime income equivalents (H.R. 2055, S.868). 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. Proposals at the Securities and Exchange Commission for a potential rulemaking on the harmonization of the standard of care for investment advisors and broker-dealers. 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. Securities and Exchange Commission proposed rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. National Association of Registered Agents and Brokers Reform Act of 2015 (114th Cong.), commonly known as NARAB II, which is legislation to reform the National Association of Registered Agents and Brokers to provide for streamlined non-resident insurance agent and broker licensing. Proposal with the Securities and Exchange Commission for a rulemaking to provide for the acceptance of a summary prospectus for variable annuities. International Insurance Standards Transparency Act (H.R. 2141 - 114th Congress). The Retirement Choice Protection Act (H.R. 3922 - 114th Congress), DOL fiduciary rulemaking. The SAVERS Act (H.R. 4294, S.2505 - 114th Congress), DOL fiduciary rulemaking. The SAVE Act (H.R. 4067 - 114th Congress), improve existing SIMPLE IRA and SIMPLE 401(k) retirement plans to make it easier for small businesses to offer savings plans to their employees. Financial CHOICE Act of 2017 (H.R. 10). Affordable Retirement Advice for Savers Act (H.R. 2823). Affordable Retirement Advice Protection Act (S.1321). The Protecting Advice for Small Savers (PASS) Act of 2017 (H.R. 3857). The Make America Secure and Prosperous Appropriations Act (H.R. 3354). The FY 2018 Labor, Health and Human Services, and Education (LHHS) funding bill (H.R. 3358). Implementation of Public Law No: 115-97, the Tax Cuts and Jobs Act. The Business of Insurance Regulatory Reform Act (H.R. 3746). The Financial Stability Oversight Council Insurance Member Continuity Act (H.R. 3110, S.1463). Consolidated Appropriations Act, 2018 (H.R. 1625). The Primary Regulators of Insurance Vote Act of 2018 (H.R. 5666). Portable Retirement and Investment Act (H.R. 6990). Small Business Employees Retirement Enhancement Act (S. 3219). Family Savings Act (H.R. 6757). The Strengthening Financial Security through Short-Term Savings Act (S. 3218).

Client expense: $80,000 · Firm income: Not reported

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

Policy issues relating to investment advice and retirement security, including the Financial Choice Act (H.R. 10), Protecting Advice for Small Savers Act (H.R. 3857), Affordable Retirement Advice for Savers Act (H.R. 2823), Affordable Retirement Advice Protection Act (S. 1321). Regulatory issues regarding fiduciary duties, regulation regarding best interest rules and retirement security (no specific legislation).

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

Issues related to the Consumer Financial Protection Bureau and consumer financial protection, generally; H.R. 3746: Business of Insurance Regulatory Reform Act S.387: Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 1018: CFPB Constitutional Reform Act of 2017 Issues related to Department of Labor's rule redefining Fiduciary under ERISA, generally: H.R. 355: Protecting American Families' Retirement Advice Act H.R. 2823: Affordable Retirement Advice for Savers Act S. 1321: Affordable Retirement Advice Protection Act H.R. 3758: Senior Safe Act of 2017

Client expense: $420,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Postal Regulatory Commission, SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Postal Service (USPS), U.S. Trade Representative (USTR)

H.R. 620, ADA Education and Reform Act of 2017 H.R. 1180, Working Families Flexibility Act of 2017 H.R. 1516/S. 636, Healthy Families Act H.R. 1625, Consolidated Appropriations Act, 2018 H.R. 2723, Employee Rights Act H.R. 2775, Employee Privacy Protection Act H.R. 2776, Workforce Democracy and Fairness Act H.R. 2810, National Defense Authorization Act for Fiscal Year 2018 including provisions relating to enhanced reporting requirements for DOD contractors H.R. 3441, Save Local Business Act H.R. 3857, Protecting Advice for Small Savers (PASS) Act of 2017 H.R. 4219, Workflex in the 21st Century Act H.R. 4548, Workplace Action for a Growing Economy (WAGE) Act H.R. 5515, John S. McCain National Defense Authorization Act for Fiscal Year 2019, including provisions relating to procurement policy, contractor blacklisting, Buy America, IT acquisition, and outsourcing H.R. 5665, Accountability for Represented Workers Act H.R. 5728/ S. 2810, Workplace Democracy Act H.R. 6080/S. 3064, Workers' Freedom to Negotiate Act of 2018 H.R. 6470/S. 3158, Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2019, including provisions relating to funding the Department of Labor and the National Labor Relations Board H.R. 6544, The Employee Rights Act of 2018 S. 1321, Affordable Retirement Advice Protection Act Nomination of Assistant Secretary, Occupational Safety and Health Administration, including Scott Mugno Nomination of members of the National Labor Relations Board, including John Ring and Mark Pearce Nomination of General Counsel, National Labor Relations Board Nomination of Deputy Secretary of Labor, Department of Labor Nomination of Administrator, Wage and Hour Division, Department of Labor Nomination of Deputy Undersecretary, Bureau of International Labor Affairs, Department of Labor Nomination of Deputy Assistant Secretary, Office of Labor-Management Standards, Department of Labor Final rule to improve tracking of workplace injuries and illnesses (81 Fed. Reg. 29,624-29,694, May 12, 2016) and proposal to revise final regulations (82 Fed. Reg. 36,494, July 30, 2017) Final rule regarding definition of the term Fiduciary; conflict of interest rule-retirement investment advice (81 Fed. Reg. 20,946-21,002, April 8, 2016) Final rule defining and delimiting the exemptions for executive, administrative, professional, outside sales and computer employees (81 Fed. Reg. 32,391-32,552, May 23, 2016) Request for information defining and delimiting the exemptions for executive, administrative, professional, outside sales and computer employees (82 Fed. Reg. 34,616-34,619, July 26, 2017) Proposed regulations on the definition of employer under section 3(5) of ERISA-Association Health Plans (83 Fed. Reg. 614-636, January 5, 2018) Proposed regulations on rescission of rule interpreting advice exemption in section 203(c) of the labor-Management Reporting and Disclosure Act (82 Fed. Reg. 26,877-26,883, June 12, 2017) Request for Information on modifications or revocation of NLRB elections procedures regulation (82 Fed. Reg. 58,783-58,790, December 14, 2017) Department of Labor, Wage and Hour Division rulemaking on Regular Rate under the Fair Labor Standards Act, RIN 1235-AA24 National Labor Relations Board, Rulemaking on Joint Employer Status under the National Labor Relations Act, RIN 3142-AA13 Notice of proposed amendments extension of transition period and delay of applicability dates; Best Interest Contract Exemption (PTE 2016-01); Class Exemption for Principal Transactions in Certain Assets Between Investment Advice Fiduciaries and Employee Benefit Plans and IRAs (PTE 2016-02) (82 Fed. Reg. 41,365-41,376, August 31, 2017) Final rule regarding 18-month Extension of Transition Period and Delay of Applicability Dates; Best Interest Contract Exemption (PTE 2016-01); Class Exemption for Principal Transactions in Certain Assets Between Investment Advice Fiduciaries and Employee Benefit Plans and IRAs (PTE 2016-02) (82 FR 56,545 - 56,560, November 28, 2017) Proposed rule regarding tracking of workplace injuries and illnesses (83 FR 36,494-36,507, July 30, 2018) Various issues relating to ambush elections regulations by the National Labor Relations Board (NLRB); Department of Labors regulatory agenda, apprenticeship program, and persuader rule; gender-based workplace discrimination; Executive Order 13706, Establishing Paid Sick Leave for Federal Contractors; NLRB joint employer standard; paid leave; paid family leave; paid sick leave; project labor agreements (PLAs); sexual harassment; reforms to National Labor Relations Act (P.L.74-198) and the Fair Labor Standards Act (P.L. 75-178); oversight addressing the National Labor Relations Board, including implementation and oversight of the National Labor Relations Act; NLRB decisions and regulatory agenda; open multiple employer plans (MEPs); current population survey, Bureau of Labor Statistics and Bureau of Census joint program; Department of Labor interpretive bulletin relating to the exercise of shareholder rights; Department of Labor interpretive bulletin relating to the fiduciary standard under ERISA in considering economically targeted investments; flexible benefits systems for the independent workforce

Client expense: $17,560,000 · Firm income: Not reported

Government targets: Agency for Toxic Substances & Disease Registry, Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Office of the Vice President of the United States, Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Fish & Wildlife Service (USFWS), U.S. Trade Representative (USTR), White House Office

Legislative Protecting American Families Retirement Advice Act - H.R. 355 Pension and Budget Integrity Act of 2017 - S. 270/H.R. 761 Retirement Security for American Workers Act - H.R. 854 Retirement Security Preservation Act of 2017 - S.852/H.R. 1962 Lifetime Income Disclosure Act - S. 868/H.R. 2055 Shrinking Emergency Account Losses Act of 2017 (SEAL Act) - S. 940 Savings Enhancement by Alleviating Leakage in 401(k) Savings Act - H.R. 2030 Keep Our Pension Promises Act - S. 1076 Affordable Retirement Advice Protection Act - S. 1321 Retirement Savings Lost and Found Act of 2018 - S. 2474/H.R. 6540 Retirement Enhancement and Savings Act (RESA) of 2018 - S. 2526/H.R. 5282 The Strengthening Financial Security Through Short-Term Savings Act - S. 3218 The Small Business Employees Retirement Enhancement Act - S.3219 The Refund to Rainy Day Savings Act - S. 3220 The Retirement Flexibility Act - S. 3221 Womens Pension Protection Act of 2018 - S. 3436/H.R. 7026 Protecting Taxpayers Act - S. 3278 Affordable Retirement Advice for Savers Act - H.R. 2823 Rightsizing Pension Premiums Act - H.R. 3596 The Protecting Adviser for Small Savers (PASS) Act of 2017 - H.R. 3857 Retirement Plan Modernization Act - H.R. 4158 Workflex in the 21st Century Act - H.R. 4219 Automatic Retirement Plan Act - H.R. 4523 Retirement Plan Simplification and Enhancement Act - H.R. 4524 Increasing Access to a Secure Retirement Act of 2017 - H.R. 4604 Receiving Electronic Statements to Improve Retiree Earnings (RETIRE) Act - H.R 4610 Small Business Add Value for Employees (SAVE) Act - H.R. 4637 Everyday Philanthropist Act - H.R. 6616 Tax Reform 2.0: The Family Savings Act - H.R. 6757: The Protecting Family and Small Business Tax Cuts Act - H.R. 6760; The American Innovations Act - H.R. 6756 The Portable Retirement and Investment Account Act of 2018 - H.R. 6990 Tax Incentives for 401 (k) contributions Financial literacy The Bipartisan Budget Act of 2018 Consolidated Appropriations Act of 2018 Fiscal Year 2019 budget proposal - provisions affecting employer-sponsored benefits Regulatory and Other Executive Order on Strengthening Retirement Security in America ERISA Preemption Federal disaster tax, filing and reporting relief for employers and individuals Electronic communication and disclosure of benefits information Mortality tables Non-discrimination issues affecting defined benefit plans Defined benefit pension plan funding rules PBGC premiums PBGC Early Warning Program Hybrid plan rules, including Pension Equity Plans Fiduciary Definition Executive & nonqualified deferred compensation Multiple Employer Plans - MEPs Multiemployer pension plan issues State retirement plan initiatives Plan administration - certification of hardship withdrawals and determination letter program Paid leave proposals and issues Student loan repayment benefit Missing Participants Independent Workers Emergency savings Pleading standards

Client expense: $311,131 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Equal Employment Opportunity Commission (EEOC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Issues related to the Consumer Financial Protection Bureau and consumer financial protection, generally; H.R. 3746: Business of Insurance Regulatory Reform Act S.387: Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 1018: CFPB Constitutional Reform Act of 2017 Issues related to Department of Labor's rule redefining Fiduciary under ERISA, generally: H.R. 355: Protecting American Families' Retirement Advice Act H.R. 2823: Affordable Retirement Advice for Savers Act S. 1321: Affordable Retirement Advice Protection Act H.R. 3758: Senior Safe Act of 2017

Client expense: $650,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Postal Regulatory Commission, SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Postal Service (USPS), U.S. Trade Representative (USTR)

Fair Labor Standards Act Changes H.R. 2823/S. 1321, Affordable Retirement Advice Protection Act DoL Overtime Rules

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office

HR 761/S270: Pension and Budget Integrity Act of 2017 - This bill prohibits provisions that increase or extend an increase of Pension Benefit Guaranty Corporation (PBGC) premiums from being counted as an offset to determine budget points of order for legislation in the House or the Senate. H.R.854 Retirement Security for American Workers Act: This bill amends the Internal Revenue Code and the Employee Retirement Income Security Act of 1974 (ERISA) to modify the qualification requirements for certain multiple employer retirement plans. A multiple employer plan that meets certain criteria may not be disqualified or otherwise lose its tax-favored status because one or more participating employers fail to take actions required with respect to the plan. The bill applies to a multiple employer defined contribution plan or a plan that consists of Individual Retirement Accounts that either: (1) is sponsored by employers that both have a common interest other than having adopted the plan and control the plan, or (2) have a pooled plan provider. The bill does not apply unless the terms of the plan require a noncompliant employer to, subject to the discretion of the Internal Revenue Service, (1) transfer assets of the plan attributable to the employees of the noncompliant employer to other specified retirement plans, and (2) be liable for plan liabilities attributable to employees of the noncompliant employer. For the purposes of this bill, a defined contribution plan that is established or maintained for the purpose of providing benefits to the employees of two or more employers and that meets certain requirements (a pooled employer plan) is treated for the purposes of ERISA as a single plan that is a multiple employer plan. The bill modifies reporting requirements under ERISA that apply to pooled employer and multiple employer plans. H.R.1688 /S.695: This bill requires the Department of the Treasury and the Department of Labor to cooperate to modify specified returns required for deferred compensation plans and other employee benefit plans to permit all members of a group of plans to file a single aggregated annual return or report satisfying the requirements of both the Internal Revenue Code and the Employee Retirement Income Security Act of 1974 (ERISA). H.R.1962/S852: Retirement Security Preservation Act of 2017 - This bill amends the Internal Revenue Code to modify the nondiscrimination requirements for certain defined benefit retirement plans that limit participation or certain features to a closed class, such as individuals who were hired before a certain date. H.R.2055/S.868: Lifetime Income Disclosure Act - This bill amends the Employee Retirement Income Security Act of 1974 (ERISA) to require pension benefit statements to include a lifetime income disclosure at least once during any 12-month period. S. 1321: The Affordable Retirement Advice Protection Act, The bill outlines a best interest standard as an alternative to the DOL fiduciary rule. H.R. 2823: The Affordable Retirement Advice for Savers Act - The bill would overturn the DOL fiduciary rule while requiring financial advisors to act in their clients best interest. The bill would also implement disclosure requirements to improve transparency. H.R.3596 - This bill amends the Employee Retirement Income Security Act of 1974 (ERISA) to: (1) modify the formula that the Pension Benefit Guaranty Corporation (PBGC) uses to calculate the funded percentage of single-employer pension plans, and (2) reduce single-employer PBGC premiums for pension plans that are sponsored by certain small employers or have specified PBGC funded percentages. H.R.3857 - The Protecting Advice For Small Savers (PASS) Act Of 2017. repeal the Department of Labor (DOL) fiduciary rule, create a best interest standard for broker-dealers, requires broker-dealers to disclose compensation they receive and any conflict of interest that exists, limit U.S. Securities and Exchange Commission (SEC) rule making authority under Section 913 of Dodd-Frank, prevent Department of Treasury and DOL from promulgating fiduciary regulations on broker-dealers under The Employee Retirement Income Security Act of 1974 (ERISA), and preempts state laws avoiding a patchwork of standards. HR. 4158: Retirement Plan Modernization Act - This bill amends the Internal Revenue Code and the Employee Retirement Income Security Act of 1974 (ERISA) to increase from $5,000 to $7,600 the amount of accrued benefits in a pension plan that may be immediately distributed without the consent of the participant. The bill also requires the increased limit to be adjusted for inflation after 2018. H.R.4523: The bill would permit unrelated employers to participate in a MEP; relieve employers with 100 or fewer employees of fiduciary duty if they participate in a MEP offered by a provider that agrees to assume fiduciary responsibility and meets certain other requirements; and retirement plan mandate. H.R.4524: "Retirement Plan Simplification and Enhancement Act of 2017" - To expand retirement coverage, preserve retirement income, simplify rules related to retirement plans. H.R.4604: "Increasing Access to a Secure Retirement Act of 2017" - Standalone annuity selection safe harbor H.R.4610: "Receiving Electronic Statements To Improve Retiree Earnings Act" - This bill amends the Employee Retirement Income Security Act of 1974 (ERISA) and the Internal Revenue Code to authorize the electronic delivery of pension plan documents required to be furnished to a plan participant, beneficiary, or other individual. H.R.4637: "SAVE Act of 2017" - To amend the Internal Revenue Code of 1986 to encourage retirement savings by modifying requirements with respect to employer-established IRAs. H.R.5282/S.2526: Retirement Enhancement and Savings Act - The bill would encourages workers to save more for retirement, and small employer retirement plan coverage, worker participation and education, and facilitates guaranteed lifetime income in retirement.

Client expense: $480,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Background checks; Improving the National Instant Criminal Background Check System; Intimate partner violence and violence against women, as related to firearms; Mental health, as related to firearms; Trafficking of firearms; National concealed carry reciprocity; Preventing terrorists from acquiring firearms; Hate crimes with firearms; National Firearms Act; Supreme Court of the United States; Presidential Cabinet appointments; ATF white paper - Options to Reduce or Modify Firearms Regulations; Deregulation of silencers; Interstate transport of firearms; Federal firearm licensee break-ins; Appropriations; Guns in schools; Microstamping; Smart gun technology; Bump stocks; Semiautomatic firearms; Firearm accessories; Gun permitting; Firearm tracing; 3D printing of firearms; Lost and stolen firearms; Firearm prohibitors; Child access prevention laws; Violence Against Women Act; Consumer product safety; H.R. 38, Concealed Carry Reciprocity Act of 2017; H.R. 367, Hearing Protection Act; S. 59, Hearing Protection Act; S. 446, Constitutional Concealed Carry Reciprocity Act of 2017; H.R. 1181, Veterans 2nd Amendment Protection Act; H.R. 1475, Gun Trafficking Prevention Act of 2017 S. 1185, Stop Illegal Trafficking in Arms Act; H.R. 2598, Gun Violence Restraining Order Act of 2017; S. 1212, Gun Violence Prevention Order Act of 2017; H.R. 2841, Disarm Hate Act; S. 1321, Disarm Hate Act; Sportsmens Heritage and Recreational Enhancement Act (SHARE Act), Discussion Draft; H.R. 2909, D.C Personal Protection Reciprocity Act; H.R. 1537, Second Amendment Enforcement Act of 2017; H.R. 2490, To allow Members of Congress to carry a concealed firearm anywhere in the United States, with certain exceptions; H.R. 2945, To grant Members of Congress the right to carry a firearm anywhere in the United States, except in the United States Capitol; H.R. 2951, To allow Members of Congress to carry a concealed handgun anywhere in the United States, with exceptions. H.R. 3668, Sportsmens Heritage and Recreational Enhancement (SHARE) Act; H.R. 3207, Zero Tolerance for Domestic Abusers Act; S. 1539, Protecting Domestic Violence and Stalking Victims Act; H.R. 3361, SECURE Firearms Storage Act; H.R. 3576, Second Amendment Guarantee Act (SAGA); S. 1505, Silencers Help Us Save Hearing (SHUSH) Act; H.R. 3139, Hearing Protection Act; S. 2009, Background Check Expansion Act; H.R. 4240, Public Safety and Second Amendment Protection Act; H.R. 4143, Domestic Violence Records Reporting Act; H.R. 4168, Closing the Bump Stock Loophole Act; S. 2094, Domestic Violence Loophole Closure Act; S. 2129, Military Domestic Violence Reporting Enhancement Act; S. 2135, Fix NICS Act of 2017; H.R. 4434, Fix NICS Act of 2017; H.R. 4477, Fix NICS Act of 2017; H.R. 4025, Multiple Firearm Sales Reporting Modernization Act of 2017; S. 1916, Automatic Gun Fire Prevention Act; H.R. 3947, Automatic Gun Fire Prevention Act; H.R. 3999, To amend title 18, United States Code, to prohibit the manufacture, possession, or transfer of any part or combination of parts that is designed and functions to increase the rate of fire of a semiautomatic rifle but does not convert the semiautomatic rifle into a machinegun, and for other purposes; H.R. 4471, NICS Denial Notification Act; S. 2386, Veterans Second Amendment Rights Restoration Act of 2018; H.R. 1278, Ghost Guns Are Guns Act; H.R. 5088, No MAGA Act; H.R. 5087, Assault Weapons Ban of 2018; H.R. 5090, Raise the Age Act; S. 2458, Terrorist Firearms Prevention Act; S. 2475, BUMP Act; S. 2521, Federal Extreme Risk Protection Order Act; H.R. 5225, Strengthening the National Instant Criminal Background Check System Act of 2018; S. 2492, NICS Denial Notification Act; S. 2546, MASS Act; H.R. 1625, Consolidated Appropriations Act, 2018; S. 3107, FY19 Financial Services and General Government Appropriations Act; FY19 Financial Services and General Government Appropriations; FY19 Commerce, Justice, Science and Related Agencies Appropriations; S. 3072, FY19 Commerce, Justice, Science and Related Agencies Appropriations Act; FY19 Labor, Health and Human Services Appropriations; H.R. 5383, Ammunition Background Check Act of 2018; H.R. 5490, Handgun Purchaser Licensing Act; S. 2662, Handgun Purchaser Licensing Act; H.R. 5717, Jake Laird Act of 2018; S. 2974, Crime Gun Tracing Modernization Act; H.R. 5607, Handgun Licensing and Registration Act of 2018; H.R. 5134, STOP Straw Purchases Act; S. 1992, SECURE Firearms Storage Act; H.R. 6109, Start Advancing Firearms Enhancements and Technology (SAFETY) Act. H.R. 5941, Child Gun Access Prevention Act; H.R. 6075, Keeping Gun Dealers Honest Act of 2018; H.R. 3692, Stop Online Ammunition Sales Act of 2017; S. 3135, Gun Owner Registration Information Protection Act; S. 3300, The Untraceable Firearms Act of 2018; H.R. 6643, The Untraceable Firearms Act of 2018; S. 3304, 3D Printed Gun Safety Act of 2018; H.R. 6649, 3D Printed Gun Safety Act of 2018; H.R. 7027, Default Proceed Sale Transparency Act; H.R. 6545, Violence Against Women Reauthorization Act of 2018; H.R. 6691, Community Safety and Security Act; H.R. 6105, LEOSA Reform Act; H.R. 6629, No Guns for Abusers Act of 2018; H.R. 6278, AVERT Future Gun Violence Act; S. 1435, Veterans Heritage Firearms Act of 2017; S. 593, Target Practice and Marksmanship Training Support Act; H.R. 5515, John S. McCain National Defense Authorization Act for Fiscal Year 2019; H.R. 6517, Department of Defense and Labor, Health and Human Services, and Education Appropriations Act, 2019 and Continuing Appropriations Act, 2019.

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

Government targets: Bureau of Alcohol Tobacco Firearms & Explosives, HOUSE OF REPRESENTATIVES, SENATE

Background checks; Improving the National Instant Criminal Background Check System; Intimate partner violence and violence against women, as related to firearms; Mental health, as related to firearms; Trafficking of firearms; National concealed carry reciprocity; Preventing terrorists from acquiring firearms; Hate crimes with firearms; National Firearms Act; Supreme Court of the United States; Presidential Cabinet appointments; Judicial appointments; ATF white paper - Options to Reduce or Modify Firearms Regulations; Deregulation of silencers; Interstate transport of firearms; Federal firearm licensee break-ins; Appropriations; Guns in schools; Firearm suicide; Hospital-based violence intervention programs; Microstamping; Smart gun technology; Bump stocks; Semiautomatic firearms; Firearm accessories; Extreme risk protection orders; Gun permitting; Firearm exports; Firearm tracing; 3D printing of firearms; Firearm permitting; Lost and stolen firearms; Firearm prohibitors; Child access prevention laws; Violence Against Women Act; Consumer product safety; H.R. 38, Concealed Carry Reciprocity Act of 2017; H.R. 367, Hearing Protection Act; S. 59, Hearing Protection Act; S. 446, Constitutional Concealed Carry Reciprocity Act of 2017; H.R. 629, Veterans Second Amendment Protection Act; H.R. 1181, Veterans 2nd Amendment Protection Act; H.R. 1475, Gun Trafficking Prevention Act of 2017; H.R. 1478, Gun Violence Research Act; H.J. Res. 40, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Social Security Administration relating to Implementation of the NICS Improvement Amendments Act of 2007; S.J. Res. 14, Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Social Security Administration relating to Implementation of the NICS Improvement Amendments Act of 2007; S. 1185, Stop Illegal Trafficking in Arms Act; S. 834, Authorize the appropriation of funds to the Centers for Disease Control and Prevention for conducting or supporting research on firearms safety or gun violence prevention; H.R. 1832, Authorize the appropriation of funds to the Centers for Disease Control and Prevention for conducting or supporting research on firearms safety or gun violence prevention; H.R. 2598, Gun Violence Restraining Order Act of 2017; S. 1212, Gun Violence Prevention Order Act of 2017; H.R. 34, Safe Students Act; H.R. 2841, Disarm Hate Act; S. 1321, Disarm Hate Act; H.R. 2670, Protecting Domestic Violence and Stalking Victims Act; Sportsmens Heritage and Recreational Enhancement Act (SHARE Act), Discussion Draft; H.R. 2909, D.C Personal Protection Reciprocity Act; H.R. 1537, Second Amendment Enforcement Act of 2017; H.R. 2490, To allow Members of Congress to carry a concealed firearm anywhere in the United States, with certain exceptions; H.R. 2945, To grant Members of Congress the right to carry a firearm anywhere in the United States, except in the United States Capitol; H.R. 2951, To allow Members of Congress to carry a concealed handgun anywhere in the United States, with exceptions; H.R. 3668, Sportsmens Heritage and Recreational Enhancement (SHARE) Act; H.R. 3207, Zero Tolerance for Domestic Abusers Act; S. 1539, Protecting Domestic Violence and Stalking Victims Act; H.R. 3361, SECURE Firearms Storage Act; H.R. 3576, Second Amendment Guarantee Act (SAGA); S. 1505, Silencers Help Us Save Hearing (SHUSH) Act; H.R. 3139, Hearing Protection Act; S. 2009, Background Check Expansion Act; H.R. 4240, Public Safety and Second Amendment Protection Act; H.R. 4143, Domestic Violence Records Reporting Act; H.R. 4168, Closing the Bump Stock Loophole Act; S. 2094, Domestic Violence Loophole Closure Act; S. 2129, Military Domestic Violence Reporting Enhancement Act; S. 2135, Fix NICS Act of 2017; H.R. 4434, Fix NICS Act of 2017; H.R. 4477, Fix NICS Act of 2017; H.R. 4025, Multiple Firearm Sales Reporting Modernization Act of 2017; S. 1916, Automatic Gun Fire Prevention Act; H.R. 3947, Automatic Gun Fire Prevention Act; H.R. 3999, To amend title 18, United States Code, to prohibit the manufacture, possession, or transfer of any part or combination of parts that is designed and functions to increase the rate of fire of a semiautomatic rifle but does not convert the semiautomatic rifle into a machinegun, and for other purposes; H.R. 4471, NICS Denial Notification Act; H.R. 3267, Commerce, Justice, Science, and Related Agencies Appropriations Act, 2018; H.R. 3358, Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations Act, 2018; H.R. 3280, Financial Services and General Government Appropriations Act, 2018; H.R. Legislative Branch Appropriations Act, 2018; S. 1648, Legislative Branch Appropriations Act, 2018; S. 1771, Departments of Labor, Health and Human Services, Education, and Related Agencies Appropriations Act, 2018; S. 1662, Commerce, Justice, Science, and Related Agencies Appropriations Act, 2018; S. 2386, Veterans Second Amendment Rights Restoration Act of 2018; H.R. 1278, Ghost Guns Are Guns Act; H.R. 5088, No MAGA Act; H.R. 5087, Assault Weapons Ban of 2018; H.R. 5090, Raise the Age Act; S. 2458, Terrorist Firearms Prevention Act; S. 2475, BUMP Act; S. 2521, Federal Extreme Risk Protection Order Act; H.R. 5225, Strengthening the National Instant Criminal Background Check System Act of 2018; S. 2492, NICS Denial Notification Act; S. 2546, MASS Act; H.R. 1625, Consolidated Appropriations Act, 2018; S. 3107, FY19 Financial Services and General Government Appropriations Act; FY19 Financial Services and General Government Appropriations; FY19 Commerce, Justice, Science and Related Agencies Appropriations; S. 3072, FY19 Commerce, Justice, Science and Related Agencies Appropriations Act; FY19 Labor, Health and Human Services Appropriations; FY19 Department of Defense Appropriations; H.R. 5383, Ammunition Background Check Act of 2018; H.R. 5490, Handgun Purchaser Licensing Act; S. 2662, Handgun Purchaser Licensing Act; H.R. 5717, Jake Laird Act of 2018; S. 2974, Crime Gun Tracing Modernization Act; H.R. 5607, Handgun Licensing and Registration Act of 2018; H.R. 5134, STOP Straw Purchases Act; S. 1992, SECURE Firearms Storage Act; H.R. 6109, Start Advancing Firearms Enhancements and Technology (SAFETY) Act; H.R. 5941, Child Gun Access Prevention Act; H.R. 6075, Keeping Gun Dealers Honest Act of 2018; H.R. 3692, Stop Online Ammunition Sales Act of 2017; S. 3135, Gun Owner Registration Information Protection Act; S. 3300, The Untraceable Firearms Act of 2018; H.R. 6643, The Untraceable Firearms Act of 2018; S. 3304, 3D Printed Gun Safety Act of 2018; H.R. 6649, 3D Printed Gun Safety Act of 2018; H.R. 7027, Default Proceed Sale Transparency Act; H.R. 6545, Violence Against Women Reauthorization Act of 2018; H.R. 6747, Protecting Our Communities and Rights Act of 2018; H.R. 6105, LEOSA Reform Act; H.R. 6629, No Guns for Abusers Act of 2018; H.R. 6278, AVERT Future Gun Violence Act; S. 593, Target Practice and Marksmanship Training Support Act; H.R. 5515, John S. McCain National Defense Authorization Act for Fiscal Year 2019; H.R. 6517, Department of Defense and Labor, Health and Human Services, and Education Appropriations Act, 2019 and Continuing Appropriations Act, 2019.

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

Government targets: Bureau of Alcohol Tobacco Firearms & Explosives, HOUSE OF REPRESENTATIVES, SENATE

Issues related to the effect of the Department of Labor's fiduciary definition regulation and coordination of such regulation with possible SEC action on broker/dealer standard of care. H.R. 2823 Affordable Retirement Advice for Savers Act. S.1321, Affordable Retirement Advice Protection Act. Legislative proposals to address the fiduciary issue. H.R. 3857, Protecting Advice for Small Savers Act. Preemption of state fiduciary rules.

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

S. 2526 / H.R. 5282 - The Retirement Enhancement and Savings Act (RESA) Issue: Retirement Security S.2474 - Retirement Savings Lost and Found Act of 2018. Issue: Facilitates location of lost participants. H.R. 3857 - Protecting Advice from Small Savers Act of 2017. Issue: Nullifies the DOLs fiduciary rule. H.R. 854 - the Retirement Security for American Workers Act. Issue: expanding retirement savings plans. S. 1383: Retirement Security Act of 2017. Issue: retirement security H.R. 1 - Tax Cuts and Jobs Act. Issue: tax reform as it pertains to life insurance H.R. 1688/S. 695, Issue: Form 5500 efficiencies H.R. 2055/ S. 868 - Lifetime Income Disclosure Act. Issue: lifetime income illustration S. 1321, the Affordable Retirement Advice Protection Act. Issue: alternative to the DOL fiduciary rule H.R. 2823, the Affordable Retirement Advice for Savers Act. Issue: alternative to the DOL fiduciary rule H.R. 3902 - Small Employer Retirement Savings Auto-Enrollment Credit Act. Issue: Retirement Security H.R. 4610, the RETIRE Act. Issue: electronic delivery of retirement statements. H.R. 4524, the Retirement Simplification and Enhancement Act. Issue: 401(k) plan improvements and lifetime income provisions. H.R. 4523, the Automatic Retirement Plan Act. Issue: mandatory 401(k) H.R. 4637, The Small Businesses Add Value for Employees (SAVE) Act of 2017. Issue: various retirement savings improvement provisions. H.R. 4604, The Increasing Access to a Secure Retirement Act. Issue: measures to bolster Americans retirement security and annuity selection safe harbor. H.R. 3910, Amends the Internal Revenue Code of 1986 to make lifetime income and managed account options of defined contribution retirement savings plans portable. Pub.L. 111-148-The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges. H.R.4225/S.2241 Draft legislation amending Affordable Care Act provisions on health exchange assessments. Issue: Health Exchange Assessments HR 1625/Public Law No: 115-141 Consolidated Appropriations Act, 2018 to support funding for SSA and SSDI hearing backlog. Issue: disability insurance. H.R. ___/S.___ Draft legislation on tax treatment and consumer financing for long-term care insurance. Issue: expanding long term care insurance coverage H.R.____/S._____ Draft legislation to expand IRC Section 125 cafeteria plans to include long term care insurance. Issue: expanding long term care insurance. H.R.___/S._____ Draft legislation to allow auto enrollment of private disability insurance in employer provided plans. H.R. 5138 and HR 6128 Legislation to expand use of HSAs.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1083 - American Savings Account Act of 2017; entire bill H.R. 2030 - Savings Enhancement by Alleviating Leakage in 401(k) Savings (SEAL) Act; entire bill H.R. 2823 - Affordable Retirement Advice for Savers Act; entire bill H.R. 3758 - Senior $afe Act of 2017; entire bill H.R. 3857 - Protecting Advice for Small Savers Act of 2017 or PASS Act of 2017; entire bill H.R. 4523 - Automatic Retirement Plan Act of 2017; entire bill H.R. 4524 - Retirement Plan Simplification and Enhancement Act of 2017; entire bill H.R. 4604 - Increasing Access to a Secure Retirement Act of 2017; entire bill H.R. 4610 - Receiving Electronic Statements to Improve Retiree Earnings Act; entire bill H.R. 4637 - Small Businesses Add Value for Employees Act of 2017 or SAVE Act; entire bill H.R. 4997 - Giving Retirement Options to Workers Act of 2018 or the GROW Act; entire bill H.R. 5282 - the Retirement Enhancement and Savings Act (RESA); entire bill S. 223 - Senior $afe Act of 2017; entire bill S. 940 - Shrinking Emergency Account Losses (SEAL) Act of 2017; entire bill S. 1035 - Preserve Rights Of States and Political Subdivisions to Encourage Retirement Savings Act (PROSPERS Act); entire bill S. 1321 - Affordable Retirement Advice Protection Act; entire bill S. 1379 - Graduate Student Savings Act of 2017; entire bill S. 1383 - Retirement Security Act of 2017; entire bill S. 1861 - Automatic IRA Act of 2017; entire bill S. 2526 - Retirement Enhancement and Savings Act of 2018; entire bill S. 2753 - Commission on Retirement Security Act of 2018; entire bill Not Yet Introduced: Savings Accounts legislation (Rep. Himes, Sen. Klobuchar)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1 (An Act to provide for reconciliation pursuant to titles II and V of the concurrent resolution on the budget for fiscal year 2018); H.R. 355 (Protecting American Families' Retirement Advice Act); H.R. 854 (Retirement Security for American Workers Act); H.R. 2823 (Affordable Retirement Advice for Savers Act); H.R. 3857 (PASS Act of 2017); H.R. 4158 (Retirement Plan Modernization Act); H.R. 4189 (IRA Preservation Act of 2017); H.R. 4523 (Automatic Retirement Plan Act of 2017); H.R. 4604 (Increasing Access to a Secure Retirement Act of 2017); H.R. 4610 (Receiving Electronic Statements To Improve Retiree Earnings Act); H.R. 5282 (Retirement Enhancement and Savings Act of 2018); S. 178 (Elder Abuse Prevention and Prosecution Act); S. 1321 (Affordable Retirement Advice Protection Act); S. 2526 (Retirement Enhancement and Savings Act of 2018); DOL ERISA Fiduciary Duty Rulemaking; Tax incentives for retirement savings; SEC proposed Regulation Best Interest.

Client expense: $1,550,000 · Firm income: Not reported

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

Fair Labor Standards Act Changes H.R. 2823/S. 1321, Affordable Retirement Advice Protection Act

Client expense: $2,500,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office

S. 223/H.R. 3758 (Senior$afe Act of 2017); provides immunity from suit for certain individuals who disclose potential examples of financial exploitation of senior citizens. H.R. 10 (Financial CHOICE Act of 2017); converts the Consumer Financial Protection Bureau into a consumer law enforcement agency, subjects the agency to the congressional appropriations process, expanded judicial review, and additional congressional oversight, eliminates supervisory authority over financial institutions; and limits the agency's authority to take action against entities for abusive practices. H.R. 3911 (Risk-Based Credit Examination Act); amends the Securities Exchange Act of 1934 with respect to risk-based examinations of Nationally Recognized Statistical Rating Organizations. S. 1321/H.R. 2823 (Affordable Retirement Advice for Savers Act); amends the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code of 198 to repeal the Fiduciary Definition rulemaking. S. 370/S. 1804 (Repeal CFPB Act); eliminates the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. H.R. 3118/H.R. 1031; repeals the Consumer Financial Protection Act of 2010, which established the Consumer Financial Protection Bureau. H.J Res. 111; Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res.47; A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S. 2155 (Economic Growth, Regulatory Relief, and Consumer Protection Act); amends current banking and financial regulation laws. H.R. 5037 (Securities Fraud Act of 2018); provides exclusive Federal jurisdiction over civil securities fraud actions, preempting state law and regulation. General lobbying with regard to the Department of Labors conflict of interest rule. General lobbying with regard to the Department of Labors fiduciary rule. General lobbying with regard to the SEC fiduciary standard review. General lobbying on issues related to shareholder arbitration.

Client expense: $1,430,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, SENATE

Issues related to the Department of Labor final fiduciary rule. H.R. 2823, Affordable Retirement Advice for Savers Act S.1321, Affordable Retirement Advice Protection Act H.R. 5282, Retirement Enhancement and Savings Act S. 2526, Retirement Enhancement and Savings Act

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to retirement security including: retirement plan standards, savings initiatives, best interest standard of care, lifetime income opportunities and pension reform. HR 854 The Retirement Security for American Workers Act. Issue: expanding retirement savings plans. S 1383 Retirement Security Act of 2017. Issue: retirement security. PL 111-148 The Patient Protection and Affordable Care Act. Issue: assessments under state-based insurance exchanges. HR 2055 / S 868 Lifetime Income Disclosure Act. Issue: lifetime income illustration. Draft legislation to facilitate disability income insurance options for employees. HR 2823 The Affordable Retirement Advice for Savers Act. Issue: fiduciary rule. S 1321 The Affordable Retirement Advice Protection Act. Issue: fiduciary rule. HR 2030 Savings Enhancement by Alleviating Leakage in 401(k) Savings Act. Issue: retirement savings leakage. S 2526 / HR 5282 The Retirement Enhancement and Savings Act (RESA). Issue: retirement security. HR 4610 The RETIRE Act. Issue: electronic delivery of retirement statements. HR 4524 The Retirement Simplification and Enhancement Act. Issue: 401(k) plan improvements and lifetime income provisions. HR 4523 The Automatic Retirement Plan Act. Issue: mandatory 401(k). HR 4637 The Small Business Add Value for Employees (SAVE) Act of 2017. Issue: retirement savings improvement provisions. HR 4604 The Increasing Access to a Secure Retirement Act. Issue: measures to bolster Americans' retirement security and annuity selection safe harbor. PL 111-148 The Patient Protection and Affordable Care Act. Issue: assessments under state-based insurance exchanges. S 2241 / HR 4225 Draft legislation amending the Affordable Care Act provision on health exchange assessments. Issue: health exchange assessments.

Client expense: $730,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of

assist client with issues pertaining to retirement savings and rules, education savings and health savings; HR 4524 Retirement Plan Simplification and Enhancement Act 2017; H.R.3499 Automatic IRA Act 2017. S1383 Retirement Security Act of 2017;S1321 Affordable Retirement Advice Protection Act; HR2823 Affordable Retirement Advice for Savers Act; HR 355 Protect American Families Retirement Advice Act; HR 5282-S 2526 Retirement Enhancement and Savings Act 2018; S3221 Retirement Security Flexibility Act 2018.

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to retirement security including: retirement plan standards, savings initiatives, best interest standard of care, lifetime income opportunities and pension reform. HR 854 The Retirement Security for American Workers Act. Issue: expanding retirement savings plans. S 1383 Retirement Security Act of 2017. Issue: retirement security. PL 111-148 The Patient Protection and Affordable Care Act. Issue: assessments under state-based insurance exchanges. HR 2055 / S 868 Lifetime Income Disclosure Act. Issue: lifetime income illustration. Draft legislation to facilitate disability income insurance options for employees. HR 2823 The Affordable Retirement Advice for Savers Act. Issue: fiduciary rule. S 1321 The Affordable Retirement Advice Protection Act. Issue: fiduciary rule. HR 2030 Savings Enhancement by Alleviating Leakage in 401(k) Savings Act. Issue: retirement savings leakage. S 2526 / HR 5282 The Retirement Enhancement and Savings Act (RESA). Issue: retirement security. HR 4610 The RETIRE Act. Issue: electronic delivery of retirement statements. HR 4524 The Retirement Simplification and Enhancement Act. Issue: 401(k) plan improvements and lifetime income provisions. HR 4523 The Automatic Retirement Plan Act. Issue: mandatory 401(k). HR 4637 The Small Business Add Value for Employees (SAVE) Act of 2017. Issue: retirement savings improvement provisions. HR 4604 The Increasing Access to a Secure Retirement Act. Issue: measures to bolster Americans' retirement security and annuity selection safe harbor. PL 111-148 The Patient Protection and Affordable Care Act. Issue: assessments under state-based insurance exchanges. S 2241 / HR 4225 Legislation amending the Affordable Care Act provision on health exchange assessments. Issue: health exchange assessments.

Client expense: $190,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the Consumer Financial Protection Bureau and consumer financial protection, generally; H.R. 3746: Business of Insurance Regulatory Reform Act S.387: Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 1018: CFPB Constitutional Reform Act of 2017 Issues related to Department of Labor's rule redefining Fiduciary under ERISA, generally: H.R. 355: Protecting American Families' Retirement Advice Act H.R. 2823: Affordable Retirement Advice for Savers Act S. 1321: Affordable Retirement Advice Protection Act H.R. 3758: Senior Safe Act of 2017

Client expense: $670,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Postal Regulatory Commission, SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Postal Service (USPS), U.S. Trade Representative (USTR)

Policy issues relating to investment advice and retirement security, including the Financial Choice Act (H.R. 10), Protecting Advice for Small Savers Act (H.R. 3857), Affordable Retirement Advice for Savers Act (H.R. 2823), Affordable Retirement Advice Protection Act (S. 1321). Regulatory issues regarding fiduciary duties, regulation regarding best interest rules and retirement security (no specific legislation).

Client expense: Not reported · Firm income: $80,000

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