Graduate Student Savings Act of 2017

Retirement Security as in the following bills: - Senior$afe Act of 2017 (S.223, H.R.3758) - Lifetime Income Disclosure Act (S.868, H.R.2055) - Graduate Student Savings Act (S.1379, H.R.3136) - Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (H.R.2030, S.940, H.R.1, S.1) - Retirement Plan Simplification and Enhancement Act (H.R.4524) - Receiving Electronic Statements to Improve Retiree Earnings Act (H.R.4610) - Small Businesses Add Value for Employees Act (SAVE Act) (H.R.4637) - Increasing Access to a Secure Retirement Act of 2017 Bill Text (H.R.4604) - Automatic Retirement Plan Act of 2017 (H.R.4523) - Portability of Lifetime Income and Managed Account Options (H.R.3910) - Retirement Security for American Workers Act (H.R.854) - Retirement Security Act of 2017 (S.1383) - Retirement Enhancement and Savings Act (S.2526, H.R.5282) - Family Savings Act (H.R.6757) Providing Lifetime Income Illustrations on Retirement Benefit Statements Defined Contribution Retirement Plan Design and Modernization Fiduciary Concerns Related to Advice and Education in Retirement Plans Stretch IRA Electronic Delivery of Plan Documents Tax Reform Preserving Tax-Deferred Treatment of Defined Contribution Plans Preserving the Structure of the Defined Contribution System (Retirement Plan Consolidation) Qualified Default Investment Alternatives (QDIA) Safe Harbor for Plan Sponsors Selecting Annuity Providers on Plan Menus Portability of Annuities in Defined Contribution Plans Automatic IRA/401(k) Retirement Plans Collective Investment Trusts in 403(b) Plans Multiple Employer Plans

Client expense: $370,000 · Firm income: Not reported

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

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

Legislation and rulemaking affecting annuities, variable life products and retirement savings, including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions that proposed changes to the Internal Revenue Code, including, but not limited to, the Department of the Treasury's Longevity Annuity Contracts Notice of Proposed Rulemaking (REG-115809-11). The 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. Secure, Accessible, Valuable, Efficient Universal Pension Accounts (SAVE UPs) Act (H.R. 5731 - 114th Congress). Retirement Enhancement and Savings Act of 2016 (S.3471 - 114th Congress). Sen. Wyden Discussion Draft on Retirement Savings and IRAs (114th Congress). Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (H.R. 2030). The FY 2018 Budget Resolution (H.R. Con. Res. 71). Implementation of Public Law No: 115-97, the Tax Cuts and Jobs Act. The Automatic Retirement Plan Act of 2017 (H.R. 4523). The Retirement Plan Simplification Act of 2017 (H.R. 4524). The Small Businesses Add Value for Employees (SAVE) Act of 2017 (H.R. 4637). The Affordable Retirement Advice for Savers Act (H.R. 2823). The Graduate Students Savings Act (H.R. 3136, S.1379). The Receiving Electronic Statements To Improve Retiree Earnings Act (H.R. 4610). The Protecting Advice for Small Savers Act of 2017 (H.R. 3857). Retirement Enhancement and Savings Act of 2018 (H.R. 5282, S.2526). Consolidated Appropriations Act, 2018 (H.R. 1625). Retirement Security Act of 2017 (H.R. 854, S.1383). Small Employer Retirement Savings Auto-Enrollment Credit Act (H.R. 3902). SAVE Act of 2017 (H.R. 4637). H.R.3910 - To amend the Internal Revenue Code of 1986 to make lifetime income and managed account options of defined contribution retirement savings plans portable. Family Savings Act (H.R. 6757). Portable Retirement and Investment Act (H.R. 6990). Retirement Security Flexibility Act of 2018 (S.3221). Small Business Employees Retirement Enhancement Act (S.3219). The Strengthening Financial Security through Short-Term Savings Act (S.3218). The Refund to Rainy Day Savings Act (S.3220).

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

Retirement Security as in the following bills: - Senior$afe Act of 2017 (S.223, H.R.3758) - Lifetime Income Disclosure Act (S.868, H.R.2055) - Graduate Student Savings Act (S.1379, H.R.3136) - Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (H.R.2030, S.940, H.R.1, S.1) - Retirement Plan Simplification and Enhancement Act (H.R.4524) - Receiving Electronic Statements to Improve Retiree Earnings Act (H.R.4610) - Small Businesses Add Value for Employees Act (SAVE Act) (H.R.4637) - Increasing Access to a Secure Retirement Act of 2017 Bill Text (H.R.4604) - Automatic Retirement Plan Act of 2017 (H.R.4523) - Portability of Lifetime Income and Managed Account Options (H.R.3910) - Retirement Security for American Workers Act (H.R.854) - Retirement Security Act of 2017 (S.1383) - Retirement Enhancement and Savings Act (S.2526, H.R.5282) DOL & SEC Fiduciary Proposals Providing Lifetime Income Illustrations on Retirement Benefit Statements Defined Contribution Retirement Plan Design and Modernization Fiduciary Concerns Related to Advice and Education in Retirement Plans Stretch IRA Electronic Delivery of Plan Documents Tax Reform Preserving Tax-Deferred Treatment of Defined Contribution Plans Preserving the Structure of the Defined Contribution System (Retirement Plan Consolidation) Qualified Default Investment Alternatives (QDIA) Safe Harbor for Plan Sponsors Selecting Annuity Providers on Plan Menus Portability of Annuities in Defined Contribution Plans Automatic IRA/401(k) Retirement Plans Collective Investment Trusts in 403(b) Plans

Client expense: $290,000 · Firm income: Not reported

Legislation and rulemaking affecting annuities, variable life products and retirement savings, including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions that proposed changes to the Internal Revenue Code, including, but not limited to, the Department of the Treasury's Longevity Annuity Contracts Notice of Proposed Rulemaking (REG-115809-11). The 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. Secure, Accessible, Valuable, Efficient Universal Pension Accounts (SAVE UPs) Act (H.R. 5731 - 114th Congress). Retirement Enhancement and Savings Act of 2016 (S.3471 - 114th Congress). Sen. Wyden Discussion Draft on Retirement Savings and IRAs (114th Congress). Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (H.R. 2030). The FY 2018 Budget Resolution (H.R. Con. Res. 71). Implementation of Public Law No: 115-97, the Tax Cuts and Jobs Act. The Automatic Retirement Plan Act of 2017 (H.R. 4523). The Retirement Plan Simplification Act of 2017 (H.R. 4524). The Small Businesses Add Value for Employees (SAVE) Act of 2017 (H.R. 4637). The Affordable Retirement Advice for Savers Act (H.R. 2823). The Graduate Students Savings Act (H.R. 3136, S.1379). The Receiving Electronic Statements To Improve Retiree Earnings Act (H.R.4610). The Protecting Advice for Small Savers Act of 2017 (H.R. 3857). Retirement Enhancement and Savings Act of 2018 (H.R. 5282, S.2526). Consolidated Appropriations Act, 2018 (H.R. 1625). Retirement Security Act of 2017 H.R. 854, S.1383). Small Employer Retirement Savings Auto-Enrollment Credit Act (H.R. 3902). SAVE Act of 2017 (H.R. 4637). H.R.3910 - To amend the Internal Revenue Code of 1986 to make lifetime income and managed account options of defined contribution retirement savings plans portable.

H.R. 1083 - American Savings Account Act of 2017; entire bill H.R. 1625 - Consolidated Appropriations Act, 2018; provisions relating to retirement policy reforms 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. 5282 - the Retirement Enhancement and Savings Act (RESA); entire bill S. 223 - Senior $afe Act of 2017; entire bill S. 940 - Shrinking Emergency Account Losses (SEAL) Act of 2017; entire bill S. 1035 - Preserve Rights Of States and Political Subdivisions to Encourage Retirement Savings Act (PROSPERS Act); entire bill S. 1321 - A bill to amend the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests; entire bill S. 1379 - Graduate Student Savings Act of 2017; entire bill S. 1383 - Retirement Security Act of 2017; entire bill S. 1861 - Automatic IRA Act of 2017; entire bill S. 2155 - Economic Growth, Regulatory Relief and Consumer Protection Act; provisions relating to international insurance standards; provisions relating to Senior$afe Act S. 2526 - Retirement Enhancement and Savings Act of 2018; entire bill

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

Legislation and rulemaking affecting annuities, variable life products and retirement savings, including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions that proposed changes to the Internal Revenue Code, including, but not limited to, the Department of the Treasury's Longevity Annuity Contracts Notice of Proposed Rulemaking (REG-115809-11). The 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. Secure, Accessible, Valuable, Efficient Universal Pension Accounts (SAVE UPs) Act (H.R. 5731 - 114th Congress). Retirement Enhancement and Savings Act of 2016 (S.3471 - 114th Congress). Sen. Wyden Discussion Draft on Retirement Savings and IRAs (114th Congress). Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (H.R. 2030). The FY 2018 Budget Resolution (H.R. Con. Res. 71). Implementation of Public Law No: 115-97, the Tax Cuts and Jobs Act. The Automatic Retirement Plan Act of 2017 (H.R. 4523). The Retirement Plan Simplification Act of 2017 (H.R. 4524). The Small Businesses Add Value for Employees (SAVE) Act of 2017 (H.R. 4637). The Affordable Retirement Advice for Savers Act (H.R. 2823). The Graduate Students Savings Act (H.R. 3136, S.1379). The Receiving Electronic Statements To Improve Retiree Earnings Act (H.R.4610). The Protecting Advice for Small Savers Act of 2017 (H.R. 3857). Retirement Enhancement and Savings Act of 2018 (H.R. 5282, S.2526). Consolidated Appropriations Act, 2018 (H.R. 1625). Retirement Security Act of 2017 H.R. 854, S.1383). Small Employer Retirement Savings Auto-Enrollment Credit Act (H.R. 3902). SAVE Act of 2017 (H.R. 4637). H.R.3910 - To amend the Internal Revenue Code of 1986 to make lifetime income and managed account options of defined contribution retirement savings plans portable.

Retirement Security as in the following bills: - Senior$afe Act of 2017 (S.223, H.R.3758) - Lifetime Income Disclosure Act (S.868, H.R.2055) - Graduate Student Savings Act (S.1379, H.R.3136) - Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (H.R.2030, S.940, H.R.1, S.1) - Retirement Plan Simplification and Enhancement Act (H.R.4524) - Receiving Electronic Statements to Improve Retiree Earnings Act (H.R.4610) - Small Businesses Add Value for Employees Act (SAVE Act) (H.R.4637) - Increasing Access to a Secure Retirement Act of 2017 Bill Text (H.R.4604) - Automatic Retirement Plan Act of 2017 (H.R.4523) - Portability of Lifetime Income and Managed Account Options (H.R.3910) - Retirement Security for American Workers Act (H.R.854) - Retirement Security Act of 2017 (S.1383) - Retirement Enhancement and Savings Act (S.2526, H.R.5282) DOL & SEC Fiduciary Proposals Providing Lifetime Income Illustrations on Retirement Benefit Statements Defined Contribution Retirement Plan Design and Modernization Fiduciary Concerns Related to Advice and Education in Retirement Plans Stretch IRA Electronic Delivery of Plan Documents Tax Reform Preserving Tax-Deferred Treatment of Defined Contribution Plans Preserving the Structure of the Defined Contribution System (Retirement Plan Consolidation) Qualified Default Investment Alternatives (QDIA) Safe Harbor for Plan Sponsors Selecting Annuity Providers on Plan Menus Portability of Annuities in Defined Contribution Plans

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

Retirement Security as in the following bills: - Senior$afe Act of 2017 (S.223 & H.R.3758) - Lifetime Income Disclosure Act (S.868 and H.R.2055) - Graduate Student Savings Act (S.1379 and H.R.3136) - Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (H.R.2030, S.940, H.R.1, S.1) - Retirement Plan Simplification and Enhancement Act (H.R.4524) - RETIRE Act (H.R.4610) - Small Businesses Add Value for Employees Act (SAVE Act) (H.R.4637) - Increasing Access to a Secure Retirement Act of 2017 Bill Text (H.R.4604) - Automatic Retirement Plan Act of 2017 (H.R.4523) - Portability of Lifetime Income and Managed Account Options (H.R.3910) - Retirement Security for American Workers Act (H.R.854) - Retirement Security Act of 2017 (S.1383) DOL & SEC Fiduciary Proposals Providing Lifetime Income Illustrations on Retirement Benefit Statements Defined Contribution Retirement Plan Design and Modernization Fiduciary Concerns Related to Advice and Education in Retirement Plans Stretch IRA Electronic Delivery of Plan Documents Tax Reform Preserving Tax-Deferred Treatment of Defined Contribution Plans Preserving the Structure of the Defined Contribution System (Retirement Plan Consolidation) Qualified Default Investment Alternatives (QDIA) Safe Harbor for Plan Sponsors Selecting Annuity Providers on Plan Menus Portability of Annuities in Defined Contribution Plans

Client expense: $470,000 · Firm income: Not reported

RET -Fourth Quarter Report - 2017 Public Law No. 111-148-The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges. Public Law No: 115-31. Consolidated Appropriations Act of 2017 Maintain Section 172 of Further Continuing and Security Assistance Appropriations Act regarding funding to address the Social Security Disability Insurance (SSDI) hearing backlog. Issue: disability insurance H.R. ___/S.___ Draft legislation amending Affordable Care Act provisions on health exchange assessments. Issue: Health Exchange Assessments H.R.___/S.____ Appropriations for 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. 1 - Tax Cuts and Jobs Act. Issue: tax reform as it pertains to life insurance H.R. 854 - the Retirement Security for American Workers Act. Issue: expanding retirement savings plans. H.R. 2030 - Savings Enhancement by Alleviating Leakage in 401(k) Savings Act. Issue: prevents retirement savings leakage H.R. 2055/ S. 868 - Lifetime Income Disclosure Act. Issue: lifetime income illustration H.R. 2823 - the Affordable Retirement Advice for Savers Act. Issue: alternative to the DOL fiduciary rule H.R. 4523 - the Automatic Retirement Plan Act. Issue: mandatory 401(k) H.R. 4524 - the Retirement Simplification and Enhancement Act. Issue: 401(k) plan improvements and lifetime income 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. 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. H.J. Res 66 (PL 115-35) - Resolution disapproving the DOL rule related to state based retirement plans H.J. Res 67 (PL 115-24) - Resolution disapproving the DOL rule related to municipality based retirement plans. S. 1321 - the Affordable Retirement Advice Protection Act. Issue: alternative to the DOL fiduciary rule S. 1383 - Retirement Security Act of 2017. Issue: retirement security S. 1379 - the Graduate Student Savings Act. Issue: promotes retirement savings for graduate students

H.R. 1 - Tax Cuts and Jobs Act; provisions relating to retirement savings products, 401(k)s, pension coverage H.R. 355 - Protecting American Families Retirement Advice Act; entire bill 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. 4737 - Small businesses Add Value for employees Act of 2017 or SAVE Act; entire bill S. 223 - Senior $afe Act of 2017; entire bill S. 940 - Shrinking Emergency Account Losses (SEAL) Act of 2017; entire bill S. 1035 - Preserve Rights Of States and Political subdivisions to Encourage Retirement Savings Act (PROSPERS Act); entire bill S. 1321 - A bill to amend the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests; entire bill S. 1379 - Graduate Student Savings Act of 2017; entire bill S. 1383 - Retirement Security Act of 2017; entire bill S. 1463 - A Bill to Amend the Financial Stability Act of 2010 to Modify the Term of the Independent Member of the Financial Stability Oversight Council; entire bill S. 1861 - Automatic IRA Act of 2017; entire bill S. 2155 - Economic Growth, Regulatory Relief and Consumer Protection Act; provisions relating to international insurance standards; provisions relating to Senior$afe Act S. 3417 - Receiving Electronic Statements To Improve Retiree Earnings Act; entire bill

Legislation and rulemaking affecting annuities, variable life products and retirement savings, including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions that proposed changes to the Internal Revenue Code, including, but not limited to, the Department of the Treasury's Longevity Annuity Contracts Notice of Proposed Rulemaking (REG-115809-11). The 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. Secure, Accessible, Valuable, Efficient Universal Pension Accounts (SAVE UPs) Act (H.R. 5731 - 114th Congress). Retirement Enhancement and Savings Act of 2016 (S.3471 - 114th Congress). Sen. Wyden Discussion Draft on Retirement Savings and IRAs (114th Congress). Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (H.R. 2030). The FY 2018 Budget Resolution (H.R. Con. Res. 71). The Tax Cuts and Jobs Act (H.R. 1). The Automatic Retirement Plan Act of 2017 (H.R. 4523). The Retirement Plan Simplification Act of 2017 (H.R. 4524). The Small Businesses Add Value for Employees (SAVE) Act of 2017 (H.R. 4637). The Retirement Enhancement Savings Act of 2016 (S.3471 - 114th Congress). The Affordable Retirement Advice for Savers Act (H.R. 2823). The Graduate Students Savings Act (H.R. 3136, S.1379). The Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (H.R. 2030). The Automatic Retirement Plan Act of 2017 (H.R.4523) The Retirement Plan Simplification Act of 2017 (H.R. 4524). The Receiving Electronic Statements To Improve Retiree Earnings Act (H.R.4610). The Protecting Advice for Small Savers Act of 2017 (H.R. 3857). The Small Businesses Add Value for Employees (SAVE) Act of 2017 (H.R. 4637). The Secure, Accessible, Valuable, Efficient Universal Pension Accounts Act or the SAVE UP Act (H.R. 5731 - 14th Congress)

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. 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.J. Res 66 (PL 115-35), Resolution disapproving the DOL rule related to state based retirement plans H.J. Res 67 (PL 115-24), Resolution disapproving the DOL rule related to municipality based retirement plans. S. 1379, the Graduate Student Savings Act. Issue: promotes retirement savings for graduate students H.R. 2030, Savings Enhancement by Alleviating Leakage in 401(k) Savings Act. Issue: prevents retirement savings leakage 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. Pub.L. 111-148-The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges. H.R.4225/S.2241 legislation amending Affordable Care Act provisions on health exchange assessments. Issue: Health Exchange Assessments Public Law No: 115-31. Consolidated Appropriations Act of 2017 Maintain Section 172 of Further Continuing and Security Assistance Appropriations Act regarding funding to address the Social Security Disability Insurance (SSDI) hearing backlog. Issue: disability insurance H.R.___/S.____ Appropriations for 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. 355 - Protecting American Families Retirement Advice Act; entire bill 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. 3110 - To Amend the Financial Stability Act of 2010 to modify the term of the Independent Member of the Financial Stability Oversight Council; 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 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 - A bill to amend the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests; entire bill S. 1379 - Graduate Student Savings Act of 2017; entire bill S. 1383 - Retirement Security Act of 2017; entire bill S. 1463 - A Bill to Amend the Financial Stability Act of 2010 to Modify the Term of the Independent Member of the Financial Stability Oversight Council; entire bill S. 1861 - Automatic IRA Act of 2017; entire bill Not Yet Introduced: Draft Senate proposal on Open MEPs Not Yet Introduced: Tax Reform Framework provisions affecting retirement savings products, 401(k)s, pension coverage

Client expense: $250,000 · Firm income: Not reported

Retirement Security as in the following bills: - Retirement Improvements and Savings Enhancements (RISE) Act of 2016 (discussion draft) - Senior$afe Act of 2017 (S.223) - Lifetime Income Disclosure Act (S.868 and H.R. 2055) - Graduate Student Savings Act (S.1379 and H.R. 3136) - Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (H.R. 2030) - Retirement Plan Simplification and Enhancement Act (re-introduction pending) - RETIRE Act (re-introduction pending) DOL & SEC Fiduciary Proposals Providing Lifetime Income Illustrations on Retirement Benefit Statements Defined Contribution Retirement Plan Design and Modernization Fiduciary Concerns Related to Advice and Education in Retirement Plans Stretch IRA Electronic Delivery of Plan Documents Tax Reform Preserving Tax-Deferred Treatment of Defined Contribution Plans Preserving the Structure of the Defined Contribution System (Retirement Plan Consolidation) Qualified Default Investment Alternatives (QDIA) Safe Harbor for Plan Sponsors Selecting Annuity Providers for Plan Menus Portability of Annuities in Defined Contribution Plans

Client expense: $410,000 · Firm income: Not reported

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 House GOP Blueprint on Tax Reform 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 S. 1379, the Graduate Student Savings Act. Issue: promotes retirement savings for graduate students H.R. 2030, Savings Enhancement by Alleviating Leakage in 401(k) Savings Act. Issue: prevents retirement savings leakage H.R. 2656 - The Receiving Electronic Statements to Improve Retiree Earnings Act. Issue: electronic disclosure of retirement plan notices. S. 3471 Retirement Enhancement and Savings Act of 2016. Issue: expanding retirement savings plans. H.R. 6396 - the Retirement Security for American Workers Act. Issue: expanding retirement savings plans. H.R.1688/S.695 Form 5500 to allow employers and sole-proprietors participating in similar retirement plans to file a single, aggregated Form 5500 which is an annual return that provides compliance information to the two regulators. H.R. 3857 - Protecting Advice for Small Savers (PASS) Act of 2017. Issue: establishing a best interest standard for financial advisors. Draft legislation amending Affordable Care Act provisions on health exchange assessments. Issue: Health Exchange Assessments Draft legislation on tax treatment and consumer financing for long-term care insurance. Issue: expanding long term care insurance coverage Draft legislation to expand Section 125 cafeteria plans. Issue: expanding long term care insurance.

Client expense: $600,000 · Firm income: Not reported

RET -Third Quarter Report - 2017 Public Law No: 115-31. Consolidated Appropriations Act of 2017 Maintain Section 172 of Further Continuing and Security Assistance Appropriations Act regarding funding to address the Social Security Disability Insurance (SSDI) hearing backlog. Issue: disability insurance Pubic Law No: 111-148-The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges. House GOP Blueprint on Tax Reform H.R. ___/S.___ Draft legislation amending Affordable Care Act provisions on health exchange assessments. Issue: Health Exchange Assessments H.R.___/S.____ Appropriations for 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.___/S. ____ Draft legislation for tax reform H.R. 854 - the Retirement Security for American Workers Act. Issue: expanding retirement savings plans. H.R. 2030, Savings Enhancement by Alleviating Leakage in 401(k) Savings Act. Issue: prevents retirement savings leakage H.R. 2055/ S. 868 - Lifetime Income Disclosure Act. Issue: lifetime income illustration H.R. 2823, the Affordable Retirement Advice for Savers Act. Issue: alternative to the DOL fiduciary rule S. 1321, the Affordable Retirement Advice Protection Act. Issue: alternative to the DOL fiduciary rule S. 1379, the Graduate Student Savings Act. Issue: promotes retirement savings for graduate students S. 1383: Retirement Security Act of 2017. Issue: retirement security H.J. Res 66 (PL 115-35), Resolution disapproving the DOL rule related to state based retirement plans H.J. Res 67 (PL 115-24), Resolution disapproving the DOL rule related to municipality based retirement plans.

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 House GOP Blueprint on Tax Reform 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.J. Res 66 (PL 115-35), Resolution disapproving the DOL rule related to state based retirement plans H.J. Res 67 (PL 115-24), Resolution disapproving the DOL rule related to municipality based retirement plans. S. 1379, the Graduate Student Savings Act. Issue: promotes retirement savings for graduate students H.R. 2030, Savings Enhancement by Alleviating Leakage in 401(k) Savings Act. Issue: prevents retirement savings leakage Pub.L. 111-148-The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges. H.R. ___/S.___ Draft legislation amending Affordable Care Act provisions on health exchange assessments. Issue: Health Exchange Assessments Public Law No: 115-31. Consolidated Appropriations Act of 2017 Maintain Section 172 of Further Continuing and Security Assistance Appropriations Act regarding funding to address the Social Security Disability Insurance (SSDI) hearing backlog. Issue: disability insurance H.R.___/S.____ Appropriations for 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.___/S. ____ Draft legislation for tax reform

H.R. 355 - Protecting American Families Retirement Advice Act; entire bill 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. 3110 - To Amend the Financial Stability Act of 2010 to modify the term of the Independent Member of the Financial Stability Oversight Council; entire bill S. 223 - Senior $afe Act of 2017; entire bill S. 940 - Shrinking Emergency Account Losses (SEAL) Act of 2017; entire bill S. 1321 - A bill to amend the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests; entire bill intro 6/8/2017 Sen Johnny Isakson; fiduciary bill S. 1379 - Graduate Student Savings Act of 2017; entire bill S. 1383 - Retirement Security Act of 2017; entire bill S. 1463 - A Bill to Amend the Financial Stability Act of 2010 to Modify the Term of the Independent Member of the Financial Stability Oversight Council; entire bill S.J.Res. 32 - A joint resolution disapproving the rule submitted by the Department of Labor relating to savings arrangements established by States for non-governmental employees; entire resolution S.J.Res. 33 - A joint resolution disapproving the rule submitted by the Department of Labor relating to savings arrangements established by qualified States political subdivisions for non-governmental employees; entire resolution Not Yet Introduced: Draft Senate proposal on Open MEPs

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

H.R. 355 - Protecting American Families Retirement Advice Act; entire bill 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. 3110 - To Amend the Financial Stability Act of 2010 to modify the term of the Independent Member of the Financial Stability Oversight Council; entire bill S. 223 - Senior $afe Act of 2017; entire bill S. 940 - Shrinking Emergency Account Losses (SEAL) Act of 2017; entire bill S. 1321 - A bill to amend the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests; entire bill intro 6/8/2017 Sen Johnny Isakson; fiduciary bill S. 1379 - Graduate Student Savings Act of 2017; entire bill S. 1383 - Retirement Security Act of 2017; entire bill S. 1463 - A Bill to Amend the Financial Stability Act of 2010 to Modify the Term of the Independent Member of the Financial Stability Oversight Council; entire bill S.J.Res. 32 - A joint resolution disapproving the rule submitted by the Department of Labor relating to savings arrangements established by States for non-governmental employees; entire resolution S.J.Res. 33 - A joint resolution disapproving the rule submitted by the Department of Labor relating to savings arrangements established by qualified States political subdivisions for non-governmental employees; entire resolution Not Yet Introduced: Draft Senate proposal on Open MEPs

Client expense: $120,000 · Firm income: Not reported

Retirement Security as in the following bills: - Retirement Improvements and Savings Enhancements (RISE) Act of 2016 (discussion draft) - CRAs related to State/Municipal Run Retirement Plans (H.J. Res. 66 and 67; S.J. Res. 32 and 33) - Senior$afe Act of 2017 (S.223) - Lifetime Income Disclosure Act (S.868 and H.R. 2055) - Graduate Student Savings Act (S.1379 and H.R. 3136) - Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (H.R. 2030) DOL & SEC Fiduciary Proposals Providing Lifetime Income Illustrations on Retirement Benefit Statements Defined Contribution Retirement Plan Design and Modernization Fiduciary Concerns Related to Advice and Education in Retirement Plans Stretch IRA Electronic Delivery of Plan Documents Tax Reform Preserving Tax-Deferred Treatment of Defined Contribution Plans Preserving the Structure of the Defined Contribution System (Retirement Plan Consolidation) Qualified Default Investment Alternatives (QDIA) Safe Harbor for Plan Sponsors Selecting Annuity Providers for Plan Menus Portability of Annuities in Defined Contribution Plans

Client expense: $250,000 · Firm income: Not reported

All items pertaining to Title II All items pertaining to ESSA Discussions surrounding CFPB student loan servicer data collection H.R. 2475, the Rebuild Americas Schools Act H.R. 2353, the Strengthening Career and Technical Education for the 21st Century Act HR 1387 SOAR Reauthorization Act HR 895 Educational Opportunities Act HR 2902, IDEA Full Funding Act S 1379, Graduate Student Savings Act HR 1880/S 806, College for All Act HR 2378, Save for Success Act Accreditation Reform and Enhanced Accountability Act (in 114th Congress was S 3380) HR 2526, POST GRAD Act S 1262, Fairness for Struggling Students Act S.1421, Patsy T. Mink Gender Equity in Education Act

Client expense: $417,905 · Firm income: Not reported

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

RET -Second Quarter Report - 2017 Public Law No. 111-148-The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges. Public Law No: 114-254- Further Continuing and Security Assistance Appropriations Act. Section 172, regarding funding to address the Social Security Disability Insurance (SSDI) hearing backlog for FY17 expires April 28, 2017. Issue: disability insurance House GOP Blueprint on Tax Reform H.R. ___/S.___ Draft legislation amending Affordable Care Act provisions on health exchange assessments. Issue: Health Exchange Assessments H.R.____/S._____ FY17 appropriations beyond April 28, Maintain Section 172 of Further Continuing and Security Assistance Appropriations Act regarding funding to address the Social Security Disability Insurance (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 Section 125 cafeteria plans. Issue: expanding long term care insurance. H.R. ____/S._____ Draft legislation to initiate Congressional Review Act process to repeal Department of Labor rule affecting disability insurance claims process. Issue: Disability insurance. H.R. 854 - the Retirement Security for American Workers Act. Issue: expanding retirement savings plans. H.R. 2030, Savings Enhancement by Alleviating Leakage in 401(k) Savings Act. Issue: prevents retirement savings leakage H.R. 2055/S. 868 - Lifetime Income Disclosure Act. Issue: lifetime income illustration H.R. 2656 - The Receiving Electronic Statements to Improve Retiree Earnings Act. Issue: electronic disclosure of retirement plan notices. H.R. 2823, the Affordable Retirement Advice for Savers Act. Issue: alternative to the DOL fiduciary rule S. 1321, the Affordable Retirement Advice Protection Act. Issue: alternative to the DOL fiduciary rule S. 1379, the Graduate Student Savings Act. Issue: promotes retirement savings for graduate students S. 1383: Retirement Security Act of 2017. Issue: retirement security H.J. Res 66 (PL 115-35), Resolution disapproving the DOL rule related to state based retirement plans H.J. Res 67 (PL 115-24), Resolution disapproving the DOL rule related to municipality based retirement plans.

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 House GOP Blueprint on Tax Reform 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 S. 1379, the Graduate Student Savings Act. Issue: promotes retirement savings for graduate students H.R. 2030, Savings Enhancement by Alleviating Leakage in 401(k) Savings Act. Issue: prevents retirement savings leakage H.R. 2656 - The Receiving Electronic Statements to Improve Retiree Earnings Act. Issue: electronic disclosure of retirement plan notices. H.R. ___/S.___ Draft legislation amending Affordable Care Act provisions on health exchange assessments. Issue: Health Exchange Assessments 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 Section 125 cafeteria plans. Issue: expanding long term care insurance. Retirement Improvements and Savings Enhancement Act Discussion Draft House GOP Blueprint on Tax Reform S. 3471 Retirement Enhancement and Savings Act of 2016. Issue: expanding retirement savings plans. H.R. 6396 - the Retirement Security for American Workers Act. Issue: expanding retirement savings plans. H.R.1688/S.695 Form 5500 to allow employers and sole-proprietors participating in similar retirement plans to file a single, aggregated Form 5500 which is an annual return that provides compliance information to the two regulators.

Client expense: $470,000 · Firm income: Not reported

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 House GOP Blueprint on Tax Reform 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.J. Res 66 (PL 115-35), Resolution disapproving the DOL rule related to state based retirement plans H.J. Res 67 (PL 115-24), Resolution disapproving the DOL rule related to municipality based retirement plans. S. 1379, the Graduate Student Savings Act. Issue: promotes retirement savings for graduate students H.R. 2030, Savings Enhancement by Alleviating Leakage in 401(k) Savings Act. Issue: prevents retirement savings leakage Pub.L. 111-148-The Patient Protection and Affordable Care Act, Issue: Assessments under state-based insurance exchanges. H.R. 2656 - The Receiving Electronic Statements to Improve Retiree Earnings Act. Issue: electronic disclosure of retirement plan notices. H.R. ___/S.___ Draft legislation amending Affordable Care Act provisions on health exchange assessments. Issue: Health Exchange Assessments Public Law No: 114-254- Further Continuing and Security Assistance Appropriations Act. Section 172, regarding funding to address the Social Security Disability Insurance (SSDI) hearing backlog for FY17 expires April 28, 2017. Issue: disability insurance H.R.____/S._____ FY17 appropriations beyond April 28, Maintain Section 172 of Further Continuing and Security Assistance Appropriations Act regarding funding to address the Social Security Disability Insurance (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 Section 125 cafeteria plans. Issue: expanding long term care insurance. H.R. ____/S._____ Draft legislation to initiate Congressional Review Act process to repeal Department of Labor rule affecting disability insurance claims process. Issue: Disability insurance.