Automatic IRA Act of 2019

Comprehensive pension and retirement savings legislation. Issues related to electronic delivery of IRC- and ERISA-mandated statements and disclosures. Issues related to paid family, sick, and medical leave. S. 1770, Retirement Security and Savings Act. S. 2370, Automatic IRA Act (116th Congress). H.R. 2954, Securing a Strong Retirement Act. H.R. 5376, Build Back Better Act. H.R. 2741, Public Service Retirement Fairness Act. H.R. 6912, Pooled Employer Plan Fix Act. Enhancing American Retirement Now (EARN) Act, as approved by the Senate Finance Committee. S. 4353, RISE & SHINE Act. S. 4154, Simplifying Small Business Retirement Savings Act. S. 4153, Incentivizing Small Business Retirement Savings Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Comprehensive pension and retirement savings legislation. Issues related to electronic delivery of IRC- and ERISA-mandated statements and disclosures. Issues related to paid family, sick, and medical leave. S. 1770, Retirement Security and Savings Act. S. 2370, Automatic IRA Act (116th Congress). H.R. 2954, Securing a Strong Retirement Act. H.R. 5376, Build Back Better Act. H.R. 2741, Public Service Retirement Fairness Act. H.R. 6912, Pooled Employer Plan Fix Act. Enhancing American Retirement Now (EARN) Act, as approved by the Senate Finance Committee. S. 4353, RISE & SHINE Act. S. 4154, Simplifying Small Business Retirement Savings Act. S. 4153, Incentivizing Small Business Retirement Savings Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Comprehensive pension and retirement savings legislation. Issues related to electronic delivery of IRC- and ERISA-mandated statements and disclosures. Issues related to paid family, sick, and medical leave. S. 1770, Retirement Security and Savings Act. S. 2370, Automatic IRA Act (116th Congress). H.R. 2954, Securing a Strong Retirement Act. H.R. 5376, Build Back Better Act. H.R. 2741, Public Service Retirement Fairness Act. H.R. 6912, Pooled Employer Plan Fix Act.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Comprehensive pension and retirement savings legislation. Issues related to electronic delivery of IRC- and ERISA-mandated statements and disclosures. Issues related to paid family, sick, and medical leave. S. 1770, Retirement Security and Savings Act. S. 2370, Automatic IRA Act (116th Congress). H.R. 2954, Securing a Strong Retirement Act. H.R. 5376, Build Back Better Act. H.R. 2741, Public Service Retirement Fairness Act. H.R. 6912, Pooled Employer Plan Fix Act.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Comprehensive pension and retirement savings legislation. Issues related to electronic delivery of IRC- and ERISA-mandated statements and disclosures. Issues related to paid family, sick, and medical leave. S. 1770, Retirement Security and Savings Act. S. 2370, Automatic IRA Act (116th Congress). H.R. 2954, Securing a Strong Retirement Act. H.R. 5376, Build Back Better Act.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Comprehensive pension and retirement savings legislation. Issues related to electronic delivery of IRC- and ERISA-mandated statements and disclosures. Issues related to paid family, sick, and medical leave. S. 1770, Retirement Security and Savings Act. S. 2370, Automatic IRA Act (116th Congress). H.R. 2954, Securing a Strong Retirement Act. H.R. 5376, Build Back Better Act.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Comprehensive pension and retirement savings legislation. Issues related to electronic delivery of IRC- and ERISA-mandated statements and disclosures. Issues related to paid family, sick, and medical leave. S. 1770, Retirement Security and Savings Act. S. 2370, Automatic IRA Act (116th Congress). H.R. 2954, Securing a Strong Retirement Act. H.R. 5376, Build Back Better Act.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Comprehensive pension and retirement savings legislation. Issues related to electronic delivery of IRC- and ERISA-mandated statements and disclosures. Issues related to paid family, sick, and medical leave. S. 1770, Retirement Security and Savings Act. S. 2370, Automatic IRA Act (116th Congress). H.R. 2954, Securing a Strong Retirement Act. H.R. 5376, Build Back Better Act.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Comprehensive pension and retirement savings legislation. Issues related to electronic delivery of IRC- and ERISA-mandated statements and disclosures. Issues related to paid family, sick, and medical leave. S. 1770, Retirement Security and Savings Act. S. 2370, Automatic IRA Act (116th Congress). H.R. 2954, Securing a Strong Retirement Act.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Comprehensive pension and retirement savings legislation. Issues related to electronic delivery of IRC- and ERISA-mandated statements and disclosures. Issues related to paid family, sick, and medical leave. S. 1770, Retirement Security and Savings Act. S. 2370, Automatic IRA Act (116th Congress). H.R. 2954, Securing a Strong Retirement Act.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Comprehensive pension and retirement savings legislation. Issues related to electronic delivery of IRC- and ERISA-mandated statements and disclosures. Issues related to paid family, sick, and medical leave. S. 1431, Retirement Security and Savings Act (116th Congress). S. 2370, Automatic IRA Act (116th Congress). H.R. 8696, Securing a Strong Retirement Act (116th Congress).

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Comprehensive pension and retirement savings legislation. Issues related to electronic delivery of IRC- and ERISA-mandated statements and disclosures. Issues related to paid family, sick, and medical leave. S. 1431, Retirement Security and Savings Act (116th Congress). S. 2370, Automatic IRA Act (116th Congress). H.R. 8696, Securing a Strong Retirement Act (116th Congress).

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to retirement savings, small business retirement plan coverage, small business start-up credit, Pooled Employer Plans, lifetime income, Savers Credit, access to portable savings arrangements, QLACs, required minimum distribution age, child savings accounts, and automatic retirement plan or IRA arrangements. H.R. 4523, Automatic Retirement Plan Act (115th Congress), S. 1431, Retirement Security and Savings Act, H.R. 8696, Securing a Strong Retirement Act, S. 2370, Automatic IRA Act, S. 5035/H.R. 7418, Encouraging Americans to Save Act, S. 5064, A bill to amend the Internal Revenue Code of 1986 to increase retirement savings, to improve retirement plan administration, H.R. 8606, To defer the tax of certain sales of employer stock and reduce certain retirement-related excise taxes, and S. 3764, Young American Savers Act.

Client expense: $29,490 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 8696 - Securing a Strong Retirement Act of 2020 H.R. 8606 - To defer the tax of certain sales of employer stock and reduce certain retirement-related excise taxes, and for other purposes. H.R. 8567 - Required Minimum Distribution Modernization Act of 2020 H.R. 7439 - To establish the Retirement Savings Lost and Found, and for other purposes. H.R. 7418 - Encouraging Americans to Save Act H.R. 6800 - Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act H.R. 6276 - Retirement Parity for Student Loans Act H.R. 6257 - Public Service Retirement Fairness Act of 2020 H.R. 4035 - Pension and Budget Integrity Act of 2019 H.R. 2112 - Refund to Rainy Day Savings Act H.R. 1994 - The Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 H.R. 1865 - Further Consolidated Appropriations Act, 2020 H.R. 1516 - Wall Street Tax Act of 2019 H.R. 1007 - Retirement Enhancement and Savings Act of 2019 H.R. 748 - Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 925 - The Heroes Act H.R. 397 - Rehabilitation of Multiemployer Pensions Act of 2019 H.R. 133 - Consolidated Appropriations Act, 2021 S. 5064 - Improving Access to Retirement Savings Act S. 5035 - Encouraging Americans to Save Act S. 4192 - A bill to increase portability of and access to retirement savings, and for other purposes. S. 2962 - Higher Education Loan Payment and Enhanced Retirement (HELPER) Act of 2019 S. 2370 - Automatic IRA Act of 2019 S. 1431 - Retirement Security and Savings Act S. 1428 - Retirement Parity for Student Loans Act S. 1020 - Retirement Security Flexibility Act of 2019 S. 1019 - Strengthening Financial Security Through Short-Term Savings Accounts Act of 2019 S. 1018 - Refund to Rainy Day Savings Act S. 1011 - A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes. S. 975 - Womens Retirement Protection Act S. 972 - Retirement Enhancement and Savings Act S. 647 - Wall Street Tax Act of 2019 S. 322 - The SIMPLE Plan Modernization Act S. 321 - Retirement Security Act of 2019

H.R. 8990, the Lifetime Income for Employees Act. Expands QDIA regulations. H.R. 748, The CARES Act. Large, comprehensive COVID-19 relief bill. Provides for expanded hardship withdrawals and removal of tax penalty. Includes RMD relief. H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Includes RMD relief and single employer pension plan relief. H.R. 2120, the Saving for the Future Act. Issue: Mandated retirement account employer match. H.R. 6562, the Securing Additional Value for Every Retirement Saver (SAVERS) Act. Temporarily raises contribution limits on tax-preferred retirement savings plans and individual retirement accounts. Securing a Strong Retirement (SSRA) Act of 2020. Proposal would be next House iteration of retirement security policy. S. 1431, Retirement Security and Savings Act of 2019. Retirement Security. S. 5064, Improving Access to Retirement Savings Act, includes provisions that were in SSRA, but not included in S. 1431. S. 1428, Retirement Parity for Student Loans Act, Student Loan Retirement Match. H.R. 4849, the Upward Mobility Enhancement Act of 2019, Employer Provided Student Loan Repayment. S.1020, The Retirement Flexibility Act, Retirement Security, automatic enrollment/escalation. S.1019, The Strengthening Financial Security Through Short-Term Savings Act, Retirement Security. Addresses retirement plan leakage. S.1018,The Refund to Rainy Day Savings Act, Retirement Savings. Utilizes tax return for retirement savings. S. 2370, Automatic IRA Act of 2019. The legislation would mandate that most employers that do not offer their employees another type of retirement plan, establish an automatic enrollment, payroll deduction program with contributions withheld from employee pay and contributed to an IRA or retirement bond. Electronic Delivery Advocacy. (no bill number) Proposal would make electronic delivery the default distribution method for plan documents. Opt-out available. H.R. 133, Both provisions are in the larger bill. -- Group Insurance Products. The Continuing Paycheck Protection Program includes ACLIs suggested language to clarify that the loan money can be used and will be forgiven for other group insurance products including: life, disability, vision, and dental. The amendment applies to loans already made. -- Extension of Paid Leave Credits. Extension of credits for paid sick and family leave which extended the provisions of FFCRA until March 31, 2021 and replaced the mandate to provide paid sick leave related to the pandemic with a payroll tax subsidy to employers who provide the leave. H.R. 748, The CARES Act. Large, comprehensive COVID-19 relief bill. Issue Paycheck protection program and paid family medical leave. H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Issue Paycheck protection program and paid family medical leave. H.R.1185 - FAMILY Act. Issue: paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member. H.R.1940 - New Parents Act of 2019. Issue: paid family and medical leave H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave S.463 - FAMILY Act. Issue: paid family and medical leave- paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member S.920 - New Parents Act of 2019. Issue: paid family and medical leave Discussion draft - CRADLE Act. Issue: paid family and medical leave - allows for a deferment of retirement benefits for paid leave benefits. Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave H.R. 2694 - Pregnant Workers Fairness Act. Issue: paid family and medical leave. H.R. 5084 - Improving Corporate Governance Through Diversity Act. Issue: diversity and inclusion. H.R. 5360 - Closing the Racial Wealth Gap Act. Issue: diversity and inclusion. H.R. 281 - Ensuring Diverse Leadership Act. Issue: diversity and inclusion. H.R. 7946 and S. 4464 - Federal Reserve Racial and Economic Equity Act. Issue: diversity and inclusion.

Retirement Security 1.H.R. 8990, the Lifetime Income for Employees Act. Expands QDIA regulations. 2.H.R. 748, The CARES Act. Large, comprehensive COVID-19 relief bill. Provides for expanded hardship withdrawals and removal of tax penalty. Includes RMD relief. 3.H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Includes RMD relief and single employer pension plan relief. 4.H.R. 2120, the Saving for the Future Act. Issue: Mandated retirement account employer match. 5.H.R. 6562, the Securing Additional Value for Every Retirement Saver (SAVERS) Act. Temporarily raises contribution limits on tax-preferred retirement savings plans and individual retirement accounts. 6.Securing a Strong Retirement (SSRA) Act of 2020. Proposal would be next House iteration of retirement security policy. 7.S. 1431, Retirement Security and Savings Act of 2019. Retirement Security. 8.S. 5064, Improving Access to Retirement Savings Act, includes provisions that were in SSRA, but not included in S. 1431. 9.S. 1428, Retirement Parity for Student Loans Act, Student Loan Retirement Match. 10. H.R. 4849, the Upward Mobility Enhancement Act of 2019, Employer Provided Student Loan Repayment. 11.S.1020, The Retirement Flexibility Act, Retirement Security, automatic enrollment/escalation. 12.S.1019, The Strengthening Financial Security Through Short-Term Savings Act, Retirement Security. Addresses retirement plan leakage. 13.S.1018,The Refund to Rainy Day Savings Act, Retirement Savings. Utilizes tax return for retirement savings. 14. S. 2370, Automatic IRA Act of 2019. The legislation would mandate that most employers that do not offer their employees another type of retirement plan, establish an automatic enrollment, payroll deduction program with contributions withheld from employee pay and contributed to an IRA or retirement bond. 15.Electronic Delivery Advocacy. (no bill number) Proposal would make electronic delivery the default distribution method for plan documents. Opt-out available. Income Security H.R. 133, Both provisions are in the larger bill. Group Insurance Products. The Continuing Paycheck Protection Program includes ACLIs suggested language to clarify that the loan money can be used and will be forgiven for other group insurance products including: life, disability, vision, and dental. The amendment applies to loans already made. Extension of Paid Leave Credits. Extension of credits for paid sick and family leave which extended the provisions of FFCRA until March 31, 2021 and replaced the mandate to provide paid sick leave related to the pandemic with a payroll tax subsidy to employers who provide the leave. H.R. 748, The CARES Act. Large, comprehensive COVID-19 relief bill. Issue Paycheck protection program and paid family medical leave. H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Issue Paycheck protection program and paid family medical leave. H.R.1185 - FAMILY Act. Issue: paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member. H.R.1940 - New Parents Act of 2019. Issue: paid family and medical leave H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave S.463 - FAMILY Act. Issue: paid family and medical leave- paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member S.920 - New Parents Act of 2019. Issue: paid family and medical leave Discussion draft - CRADLE Act. Issue: paid family and medical leave - allows for a deferment of retirement benefits for paid leave benefits. Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave H.R. 2694 - Pregnant Workers Fairness Act. Issue: paid family and medical leave. Diversity and Inclusion H.R. 5084 - Improving Corporate Governance Through Diversity Act. Issue: diversity and inclusion. H.R. 5360 - Closing the Racial Wealth Gap Act. Issue: diversity and inclusion. H.R. 281 - Ensuring Diverse Leadership Act. Issue: diversity and inclusion. H.R. 7946 and S. 4464 - Federal Reserve Racial and Economic Equity Act. Issue: diversity and inclusion.

Issues related to retirement savings, small business retirement plan coverage, small business start-up credit, Pooled Employer Plans, lifetime income, Savers Credit, access to portable savings arrangements, QLACs, required minimum distribution age, child savings accounts, and automatic retirement plan or IRA arrangements. H.R. 4523, Automatic Retirement Plan Act (115th Congress), S. 1431, Retirement Security and Savings Act, H.R. 8696, Securing a Strong Retirement Act, S. 2370, Automatic IRA Act, S. 5035/H.R. 7418, Encouraging Americans to Save Act, S. 5064, A bill to amend the Internal Revenue Code of 1986 to increase retirement savings, to improve retirement plan administration, H.R. 8606, To defer the tax of certain sales of employer stock and reduce certain retirement-related excise taxes, and S. 3764, Young American Savers Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to retirement savings, small business retirement plan coverage, small business start-up credit, Pooled Employer Plans, lifetime income, Savers Credit, access to portable savings arrangements, QLACs, required minimum distribution age, child savings accounts, and automatic retirement plan or IRA arrangements. H.R. 4523, Automatic Retirement Plan Act (115th Congress), S. 1431, Retirement Security and Savings Act, H.R. 8696, Securing a Strong Retirement Act, S. 2370, Automatic IRA Act, S. 5035/H.R. 7418, Encouraging Americans to Save Act, S. 5064, A bill to amend the Internal Revenue Code of 1986 to increase retirement savings, to improve retirement plan administration, H.R. 8606, To defer the tax of certain sales of employer stock and reduce certain retirement-related excise taxes, and S. 3764, Young American Savers Act.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1.H.R. 748, The CARES Act. Large, comprehensive COVID-19 relief bill. Provides for expanded hardship withdrawals and removal of tax penalty. Includes RMD relief. 2.H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Includes RMD relief and single employer pension plan relief. 3.H.R. 2120, the Saving for the Future Act. Issue: Mandated retirement account employer match. 4.H.R. 6562, the Securing Additional Value for Every Retirement Saver (SAVERS) Act. Temporarily raises contribution limits on tax-preferred retirement savings plans and individual retirement accounts. 5.SECURE 2.0. (no bill number) Proposal would be next iteration of retirement security policy. S. 1431, Retirement Security and Savings Act of 2019. Retirement Security. 6.S. 1428, Retirement Parity for Student Loans Act, Student Loan Retirement Match. 7. H.R. 4849, the Upward Mobility Enhancement Act of 2019, Employer Provided Student Loan Repayment. 8.S.1020, The Retirement Flexibility Act, Retirement Security, automatic enrollment/escalation. 9.S.1019, The Strengthening Financial Security Through Short-Term Savings Act, Retirement Security. Addresses retirement plan leakage. 10.S.1018,The Refund to Rainy Day Savings Act, Retirement Savings. Utilizes tax return for retirement savings. 11. S. 2370, Automatic IRA Act of 2019. The legislation would mandate that most employers that do not offer their employees another type of retirement plan, establish an automatic enrollment, payroll deduction program with contributions withheld from employee pay and contributed to an IRA or retirement bond. 12.Electronic Delivery Advocacy. (no bill number) Proposal would make electronic delivery the default distribution method for plan documents. Opt-out available. 13.H.R.1185 - FAMILY Act. Issue: paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member. 14.H.R.1940 - New Parents Act of 2019. Issue: paid family and medical leave 15.H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave 16.S.463 - FAMILY Act. Issue: paid family and medical leave- paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member 17.S.920 - New Parents Act of 2019. Issue: paid family and medical leave 18.Discussion draft - CRADLE Act. Issue: paid family and medical leave - allows for a deferment of retirement benefits for paid leave benefits. 19.Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave

H.R. 7439 - To establish the Retirement Savings Lost and Found, and for other purposes. H.R. 6800 - Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act H.R. 6276 - Retirement Parity for Student Loans Act H.R. 6257 - Public Service Retirement Fairness Act of 2020 H.R. 4035 - Pension and Budget Integrity Act of 2019 H.R. 2112 - Refund to Rainy Day Savings Act H.R. 1994 - The Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 H.R. 1865 - Further Consolidated Appropriations Act, 2020 H.R. 1516 - Wall Street Tax Act of 2019 H.R. 1007 - Retirement Enhancement and Savings Act of 2019 H.R. 748 - Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 925 - The Heroes Act H.R. 397 - Rehabilitation of Multiemployer Pensions Act of 2019 S. 4192 - A bill to increase portability of and access to retirement savings, and for other purposes. S. 2962 - Higher Education Loan Payment and Enhanced Retirement (HELPER) Act of 2019 S. 2370 - Automatic IRA Act of 2019 S. 1431 - Retirement Security and Savings Act S. 1428 - Retirement Parity for Student Loans Act S. 1020 - Retirement Security Flexibility Act of 2019 S. 1019 - Strengthening Financial Security Through Short-Term Savings Accounts Act of 2019 S. 1018 - Refund to Rainy Day Savings Act S. 1011 - A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes. S. 972 - Retirement Enhancement and Savings Act S. 647 - Wall Street Tax Act of 2019 S. 322 - The SIMPLE Plan Modernization Act S. 321 - Retirement Security Act of 2019

Client expense: $71,349 · Firm income: Not reported

H.R. 748, The CARES Act. Large, comprehensive COVID-19 relief bill. Provides for expanded hardship withdrawals and removal of tax penalty. Includes RMD relief. H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Includes RMD relief and single employer pension plan relief. H.R. 2120, the Saving for the Future Act. Issue: Mandated retirement account employer match. H.R. 6562, the Securing Additional Value for Every Retirement Saver (SAVERS) Act. Temporarily raises contribution limits on tax-preferred retirement savings plans and individual retirement accounts. SECURE 2.0. (no bill number) Proposal would be next iteration of retirement security policy. S. 1431, Retirement Security and Savings Act of 2019. Retirement Security. S. 1428, Retirement Parity for Student Loans Act, Student Loan Retirement Match. H.R. 4849, the Upward Mobility Enhancement Act of 2019, Employer Provided Student Loan Repayment. S.1020, The Retirement Flexibility Act, Retirement Security, automatic enrollment/escalation. S.1019, The Strengthening Financial Security Through Short-Term Savings Act, Retirement Security. Addresses retirement plan leakage. S.1018,The Refund to Rainy Day Savings Act, Retirement Savings. Utilizes tax return for retirement savings. S. 2370, Automatic IRA Act of 2019. The legislation would mandate that most employers that do not offer their employees another type of retirement plan, establish an automatic enrollment, payroll deduction program with contributions withheld from employee pay and contributed to an IRA or retirement bond. Electronic Delivery Advocacy. (no bill number) Proposal would make electronic delivery the default distribution method for plan documents. Opt-out available. H.R. 748, The CARES Act. Large, comprehensive COVID-19 relief bill. Issue Paycheck protection program and paid family medical leave. 14. H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Issue Paycheck protection program and paid family medical leave. H.R.1185/S.463 - FAMILY Act. Issue: paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member. H.R.1940/S.920 - New Parents Act of 2019. Issue: paid family and medical leave H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave Discussion draft - CRADLE Act. Issue: paid family and medical leave - allows for a deferment of retirement benefits for paid leave benefits. Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave H.R. 2694 - Pregnant Workers Fairness Act. Issue: paid family and medical leave. H.R. 5084 - Improving Corporate Governance Through Diversity Act. Issue: diversity and inclusion. H.R. 5360 - Closing the Racial Wealth Gap Act. Issue: diversity and inclusion. H.R. 281 - Ensuring Diverse Leadership Act. Issue: diversity and inclusion. H.R. 7946/ S. 4464 - Federal Reserve Racial and Economic Equity Act. Issue: diversity and inclusion.

Retirement Security as in the following bills: Retirement Plan Simplification and Enhancement Act (Not yet reintroduced) Automatic Retirement Plan Act (Not yet reintroduced) Portability of Lifetime Income and Managed Account Options (Not yet reintroduced) Retirement Security and Savings Act (S. 1431) Retirement Parity for Student Loans Act (S. 1428) The Setting Every Community Up for Retirement Enhancement Act (H.R. 1994) Automatic IRA Act of 2019 (S. 2370) 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 Infrastructure Student Loans Remote Notarization General Account Products CARES Act

Client expense: $330,000 · Firm income: Not reported

Retirement Security 1.H.R. 748, The CARES Act. Large, comprehensive COVID-19 relief bill. Provides for expanded hardship withdrawals and removal of tax penalty. Includes RMD relief. 2.H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Includes RMD relief and single employer pension plan relief. 3.H.R. 2120, the Saving for the Future Act. Issue: Mandated retirement account employer match. 4.H.R. 6562, the Securing Additional Value for Every Retirement Saver (SAVERS) Act. Temporarily raises contribution limits on tax-preferred retirement savings plans and individual retirement accounts. 5.SECURE 2.0. (no bill number) Proposal would be next iteration of retirement security policy. S. 1431, Retirement Security and Savings Act of 2019. Retirement Security. 6.S. 1428, Retirement Parity for Student Loans Act, Student Loan Retirement Match. 7. H.R. 4849, the Upward Mobility Enhancement Act of 2019, Employer Provided Student Loan Repayment. 8.S.1020, The Retirement Flexibility Act, Retirement Security, automatic enrollment/escalation. 9.S.1019, The Strengthening Financial Security Through Short-Term Savings Act, Retirement Security. Addresses retirement plan leakage. 10.S.1018,The Refund to Rainy Day Savings Act, Retirement Savings. Utilizes tax return for retirement savings. 11. S. 2370, Automatic IRA Act of 2019. The legislation would mandate that most employers that do not offer their employees another type of retirement plan, establish an automatic enrollment, payroll deduction program with contributions withheld from employee pay and contributed to an IRA or retirement bond. 12.Electronic Delivery Advocacy. (no bill number) Proposal would make electronic delivery the default distribution method for plan documents. Opt-out available. Income Security 13. H.R. 748, The CARES Act. Large, comprehensive COVID-19 relief bill. Issue Paycheck protection program and paid family medical leave. 14. H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Issue Paycheck protection program and paid family medical leave. 15.H.R.1185 - FAMILY Act. Issue: paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member. 16.H.R.1940 - New Parents Act of 2019. Issue: paid family and medical leave 17.H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave 18.S.463 - FAMILY Act. Issue: paid family and medical leave- paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member 19.S.920 - New Parents Act of 2019. Issue: paid family and medical leave 20.Discussion draft - CRADLE Act. Issue: paid family and medical leave - allows for a deferment of retirement benefits for paid leave benefits. 21.Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave 22. H.R. 2694 - Pregnant Workers Fairness Act. Issue: paid family and medical leave. Diversity and Inclusion 23. H.R. 5084 - Improving Corporate Governance Through Diversity Act. Issue: diversity and inclusion. 24. H.R. 5360 - Closing the Racial Wealth Gap Act. Issue: diversity and inclusion. 25. H.R. 281 - Ensuring Diverse Leadership Act. Issue: diversity and inclusion. 26. H.R. 7946 and S. 4464 - Federal Reserve Racial and Economic Equity Act. Issue: diversity and inclusion.

H.R. 7439 - To establish the Retirement Savings Lost and Found, and for other purposes. H.R. 6800 - Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act H.R. 6276 - Retirement Parity for Student Loans Act H.R. 6257 - Public Service Retirement Fairness Act of 2020 H.R. 4035 - Pension and Budget Integrity Act of 2019 H.R. 1994 - The Setting Every Community Up for Retirement Enhancement Act of 2019 H.R. 1865 - Further Consolidated Appropriations Act, 2020 H.R. 1516 - Wall Street Tax Act of 2019 H.R. 1007 - Retirement Enhancement and Savings Act of 2019 H.R. 748 - Coronavirus Aid, Relief, and Economic Security (CARES) Act H.R. 397 - Rehabilitation of Multiemployer Pensions Act of 2019 S. 4192 - A bill to increase portability of and access to retirement savings, and for other purposes. S. 2962 - Higher Education Loan Payment and Enhanced Retirement Act of 2019 S. 2370 - Automatic IRA Act of 2019 S. 1431 - Retirement Security and Savings Act S. 1428 - Retirement Parity for Student Loans Act S. 972 - Retirement Enhancement and Savings Act S. 647 - Wall Street Tax Act of 2019 S. 322 - The SIMPLE Plan Modernization Act S. 321 - Retirement Security Act of 2019

Client expense: $72,117 · Firm income: Not reported

H.R. 748, The CARES Act. Large, comprehensive COVID-19 relief bill. Provides for expanded hardship withdrawals and removal of tax penalty. Includes RMD relief. H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Includes RMD relief and single employer pension plan relief. H.R. 2120, the Saving for the Future Act. Issue: Mandated retirement account employer match. H.R. 6562, the Securing Additional Value for Every Retirement Saver (SAVERS) Act. Temporarily raises contribution limits on tax-preferred retirement savings plans and individual retirement accounts. SECURE 2.0. (no bill number) Proposal would be next iteration of retirement security policy. S. 1431, Retirement Security and Savings Act of 2019. Retirement Security. S. 1428, Retirement Parity for Student Loans Act, Student Loan Retirement Match. H.R. 4849, the Upward Mobility Enhancement Act of 2019, Employer Provided Student Loan Repayment. S.1020, The Retirement Flexibility Act, Retirement Security, automatic enrollment/escalation. S.1019, The Strengthening Financial Security Through Short-Term Savings Act, Retirement Security. Addresses retirement plan leakage. S.1018,The Refund to Rainy Day Savings Act, Retirement Savings. Utilizes tax return for retirement savings. S. 2370, Automatic IRA Act of 2019. The legislation would mandate that most employers that do not offer their employees another type of retirement plan, establish an automatic enrollment, payroll deduction program with contributions withheld from employee pay and contributed to an IRA or retirement bond. 12.Electronic Delivery Advocacy. (no bill number) Proposal would make electronic delivery the default distribution method for plan documents. Opt-out available. H.R.1185 - FAMILY Act. Issue: paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member. H.R.1940 - New Parents Act of 2019. Issue: paid family and medical leave H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave S.463 - FAMILY Act. Issue: paid family and medical leave- paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member S.920 - New Parents Act of 2019. Issue: paid family and medical leave Discussion draft - CRADLE Act. Issue: paid family and medical leave - allows for a deferment of retirement benefits for paid leave benefits. Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave

Retirement Security as in the following bills: * Graduate Student Savings Act of 2019 (S. 448, H.R. 1194) * Retirement Security Act of 2019 (S. 321) * Retirement Enhancement and Savings Act of 2019 (S. 972, H.R. 1007) * Family Savings Act of 2019 (H.R. 1084) * Increasing Access to a Secure Retirement Act of 2019 (H.R. 1439) * Lifetime Income Disclosure Act (S. 1574, H.R. 2367) * Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (Not yet reintroduced) * Retirement Plan Simplification and Enhancement Act (Not yet reintroduced) * Receiving Electronic Statements To Improve Retiree Earnings Act (Not yet reintroduced) * Small Businesses Add Value for Employees Act (SAVE Act) (Not yet reintroduced) * Automatic Retirement Plan Act (Not yet reintroduced) * Portability of Lifetime Income and Managed Account Options (Not yet reintroduced) * Retirement Security and Savings Act (S. 1431) * Retirement Parity for Student Loans Act (S. 1428) * The Setting Every Community Up for Retirement Enhancement Act (H.R. 1994) * Automatic IRA Act of 2019 (S. 2370) 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 Infrastructure Student Loans Remote Notarization General Account Products CARES Act

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

1.H.R. 748, The CARES Act. Large, comprehensive COVID-19 relief bill. Provides for expanded hardship withdrawals and removal of tax penalty. Includes RMD relief. 2.H.R. 6800, The HEROES Act. Large, comprehensive COVID-19 relief bill. Includes RMD relief and single employer pension plan relief. 3.H.R. 2120, the Saving for the Future Act. Issue: Mandated retirement account employer match. 4.H.R. 6562, the Securing Additional Value for Every Retirement Saver (SAVERS) Act. Temporarily raises contribution limits on tax-preferred retirement savings plans and individual retirement accounts. 5.SECURE 2.0. (no bill number) Proposal would be next iteration of retirement security policy. S. 1431, Retirement Security and Savings Act of 2019. Retirement Security. 6.S. 1428, Retirement Parity for Student Loans Act, Student Loan Retirement Match. 7. H.R. 4849, the Upward Mobility Enhancement Act of 2019, Employer Provided Student Loan Repayment. 8.S.1020, The Retirement Flexibility Act, Retirement Security, automatic enrollment/escalation. 9.S.1019, The Strengthening Financial Security Through Short-Term Savings Act, Retirement Security. Addresses retirement plan leakage. 10.S.1018,The Refund to Rainy Day Savings Act, Retirement Savings. Utilizes tax return for retirement savings. 11. S. 2370, Automatic IRA Act of 2019. The legislation would mandate that most employers that do not offer their employees another type of retirement plan, establish an automatic enrollment, payroll deduction program with contributions withheld from employee pay and contributed to an IRA or retirement bond. 12.Electronic Delivery Advocacy. (no bill number) Proposal would make electronic delivery the default distribution method for plan documents. Opt-out available. 13.H.R.1185 - FAMILY Act. Issue: paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member. 14.H.R.1940 - New Parents Act of 2019. Issue: paid family and medical leave 15.H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave 16.S.463 - FAMILY Act. Issue: paid family and medical leave- paid family and medical leave proposal would offer paid leave benefits via a payroll tax for birth or adoption of a child or caring for a sick family member 17.S.920 - New Parents Act of 2019. Issue: paid family and medical leave 18.Discussion draft - CRADLE Act. Issue: paid family and medical leave - allows for a deferment of retirement benefits for paid leave benefits. 19.Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave

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

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

H.R. 4035 - Pension and Budget Integrity Act of 2019 H.R. 1994 - The Setting Every Community Up for Retirement Enhancement Act of 2019 H.R. 1865 - Further Consolidated Appropriations Act, 2020 H.R. 1516 - Wall Street Tax Act of 2019 H.R. 1007 - Retirement Enhancement and Savings Act of 2019 H.R. 397 - Rehabilitation of Multiemployer Pensions Act of 2019 S. 2962 - Higher Education Loan Payment and Enhanced Retirement Act of 2019 S. 2370 - Automatic IRA Act of 2019 S. 1431 - Retirement Security and Savings Act S. 1428 - Retirement Parity for Student Loans Act S. 972 - Retirement Enhancement and Savings Act S. 647 - Wall Street Tax Act of 2019 S. 322 - The SIMPLE Plan Modernization Act S. 321 - Retirement Security Act of 2019

Client expense: $137,621 · Firm income: Not reported

H.R. 1865, the Further Consolidated Appropriations Act of 2020. Issue: Retirement Security, Inclusion of the SECURE Act within this government funding bill. H.R.1007 - Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms S. 972, Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms H.R. 1997, the Setting Every Community up for Retirement Act. Issue: retirement security reforms H.R. 1439, the Increasing Access to a Secure Retirement Act Issue: Provides a fiduciary safe harbor to the selection of an annuity provider. H.R.1994 - Setting Every Community Up for Retirement Enhancement Act of 2019 (SECURE). Issue: retirement security reforms H.R. 1993, Providing Retirement Security to Workers in Small Businesses, Cooperatives, and Service Organizations Act of 2019. Issue: Retirement Security, Open Multiple Employer Plans. Saving for the Future Act. Issue: Mandated retirement account employer match. S. 322, SIMPLE Plan Modernization Act. Issue: Makes improvements to SIMPLE retirement accounts and ease the transition from a SIMPLE plan to a 401(k) plan. S. 321, the Retirement Security Act of 2019. Issue: Allows for open MEPs. S. 1431, Retirement Security and Savings Act of 2019. Retirement Security. S. 1428, Retirement Parity for Student Loans Act, Student Loan Retirement Match. H.R. 4849, the Upward Mobility Enhancement Act of 2019, Employer Provided Student Loan Repayment. S.1011, The Small Business Employees Retirement Enhancement Act, Open MEPs. S.1020, The Retirement Flexibility Act, Retirement Security, automatic enrollment/escalation. S.1019, The Strengthening Financial Security Through Short-Term Savings Act, Retirement Security. Addresses retirement plan leakage. S.1018,The Refund to Rainy Day Savings Act, Retirement Savings. Utilizes tax return for retirement savings. S. 2370, Automatic IRA Act of 2019. The legislation would mandate that most employers that do not offer their employees another type of retirement plan, establish an automatic enrollment, payroll deduction program with contributions withheld from employee pay and contributed to an IRA or retirement bond. Bipartisan Budget Act of 2019, Bipartisan Budget Agreement for Fiscal Years 2020 and 2021 agreed to White House and Congress. Electronic Delivery Advocacy. (no bill number) Proposal would make electronic delivery the default distribution method for plan documents. Opt-out available. H.R.1185 - FAMILY Act. Issue: paid family and medical leave H.R.1940 - New Parents Act of 2019. Issue: paid family and medical leave H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave S.463 - FAMILY Act. Issue: paid family and medical leave S.920 - New Parents Act of 2019. Issue: paid family and medical leave Discussion draft - CRADLE Act. Issue: paid family and medical leave Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave

Retirement Security as in the following bills: * Graduate Student Savings Act of 2019 (S. 448, H.R. 1194) * Retirement Security Act of 2019 (S. 321) * Retirement Enhancement and Savings Act of 2019 (S. 972, H.R. 1007) * Family Savings Act of 2019 (H.R. 1084) * Increasing Access to a Secure Retirement Act of 2019 (H.R. 1439) * Lifetime Income Disclosure Act (S. 1574, H.R. 2367) * Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (Not yet reintroduced) * Retirement Plan Simplification and Enhancement Act (Not yet reintroduced) * Receiving Electronic Statements To Improve Retiree Earnings Act (Not yet reintroduced) * Small Businesses Add Value for Employees Act (SAVE Act) (Not yet reintroduced) * Automatic Retirement Plan Act (Not yet reintroduced) * Portability of Lifetime Income and Managed Account Options (Not yet reintroduced) * Retirement Security and Savings Act (S. 1431) * Retirement Parity for Student Loans Act (S. 1428) * The Setting Every Community Up for Retirement Enhancement Act (H.R. 1994) * Automatic IRA Act of 2019 (S. 2370) 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 Infrastructure Student Loans

Client expense: $520,000 · Firm income: Not reported

1.H.R.1007 - Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms 2.S. 972, Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms 3.H.R. 1997, the Setting Every Community up for Retirement Act. Issue: retirement security reforms 4.H.R. 1439, the Increasing Access to a Secure Retirement Act Issue: Provides a fiduciary safe harbor to the selection of an annuity provider. 5.H.R.1994 - Setting Every Community Up for Retirement Enhancement Act of 2019 (SECURE). Issue: retirement security reforms 6.H.R. 1993, Providing Retirement Security to Workers in Small Businesses, Cooperatives, and Service Organizations Act of 2019. Issue: Retirement Security, Open Multiple Employer Plans. 7.Saving for the Future Act. Issue: Mandated retirement account employer match. 8.S. 322, SIMPLE Plan Modernization Act. Issue: Makes improvements to SIMPLE retirement accounts and ease the transition from a SIMPLE plan to a 401(k) plan. 9.S. 321, the Retirement Security Act of 2019. Issue: Allows for open MEPs. 10.S. 1431, Retirement Security and Savings Act of 2019. Retirement Security. 11.S. 1428, Retirement Parity for Student Loans Act, Student Loan Retirement Match. 12.S.1011, The Small Business Employees Retirement Enhancement Act, Open MEPs. 13.S.1020, The Retirement Flexibility Act, Retirement Security, automatic enrollment/escalation. 14.S.1019, The Strengthening Financial Security Through Short-Term Savings Act, Retirement Security. Addresses retirement plan leakage. 15.S.1018,The Refund to Rainy Day Savings Act, Retirement Savings. Utilizes tax return for retirement savings. 16. S. 2370, Automatic IRA Act of 2019. The legislation would mandate that most employers that do not offer their employees another type of retirement plan, establish an automatic enrollment, payroll deduction program with contributions withheld from employee pay and contributed to an IRA or retirement bond. 17.Bipartisan Budget Act of 2019, Bipartisan Budget Agreement for Fiscal Years 2020 and 2021 agreed to White House and Congress. Income Security 18.H.R.1185 - FAMILY Act. Issue: paid family and medical leave 19.H.R.1940 - New Parents Act of 2019. Issue: paid family and medical leave 20.H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave 21.S.463 - FAMILY Act. Issue: paid family and medical leave 22.S.920 - New Parents Act of 2019. Issue: paid family and medical leave 23.Discussion draft - CRADLE Act. Issue: paid family and medical leave 24.Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave 1.H.R.1185 - FAMILY Act. Issue: paid family and medical leave 2.H.R.1940 - New Parents Act of 2019. Issue: paid family and medical leave 3.H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave 4.S.463 - FAMILY Act. Issue: paid family and medical leave 5.S.920 - New Parents Act of 2019. Issue: paid family and medical leave 6.S.1628 -Paid Family Leave Pilot Extension Act. Issue: paid family and medical leave 7.S.1895 - Lower Health Care Costs Act. Issue: dental plans 8.Discussion draft - CRADLE Act. Issue: paid family and medical leave 9.Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave

H.R. 1957 - Taxpayer First Act of 2019; provisions relating to 1099 filings, e-signatures, taxpayer income verification H.R. 1993 - Providing Retirement Security to Workers in Small Businesses, Cooperatives, and Service Organizations Act of 2019; entire bill H.R. 1994 - Setting Every Community Up for Retirement Enhancement Act of 2019; entire bill H.R. 2367 - Lifetime Income Disclosure Act; entire bill S. 321 - Retirement Security Act of 2019; entire bill S. 322 - SIMPLE Plan Modernization Act; entire bill S. 972 - Retirement Enhancement and Savings Act (RESA); entire bill S. 1011 - To amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes; entire bill S. 1018 - Refunds to Rainy Day Savings Act; entire bill S. 1019 - Strengthening Financial Security Through Short-Term Savings Accounts Act of 2019; entire bill S. 1020 - Retirement Flexibility Act; entire bill S. 1428 - Retirement Parity for Student Loans Act; entire bill S. 1431 - Retirement Security and Savings Act of 2019; entire bill S. 2370 - Automatic IRA Act of 2019; entire bill Not Yet Introduced: Proposal for an employer retirement plan requirement sponsored Rep. Richard Neal

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

H.R. 1865, the Further Consolidated Appropriations Act of 2020. Issue: Retirement Security, Inclusion of the SECURE Act within this government funding bill. H.R.1007 - Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms 972, Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms H.R. 1997, the Setting Every Community up for Retirement Act. Issue: retirement security reforms H.R. 1439, the Increasing Access to a Secure Retirement Act Issue: Provides a fiduciary safe harbor to the selection of an annuity provider. H.R.1994 - Setting Every Community Up for Retirement Enhancement Act of 2019 (SECURE). Issue: retirement security reforms H.R. 1993, Providing Retirement Security to Workers in Small Businesses, Cooperatives, and Service Organizations Act of 2019. Issue: Retirement Security, Open Multiple Employer Plans. Saving for the Future Act. Issue: Mandated retirement account employer match. S. 322, SIMPLE Plan Modernization Act. Issue: Makes improvements to SIMPLE retirement accounts and ease the transition from a SIMPLE plan to a 401(k) plan. S. 321, the Retirement Security Act of 2019. Issue: Allows for open MEPs. S. 1431, Retirement Security and Savings Act of 2019. Retirement Security. S. 1428, Retirement Parity for Student Loans Act, Student Loan Retirement Match. S.1011, The Small Business Employees Retirement Enhancement Act, Open MEPs. S.1020, The Retirement Flexibility Act, Retirement Security, automatic enrollment/escalation. S.1019, The Strengthening Financial Security Through Short-Term Savings Act, Retirement Security. Addresses retirement plan leakage. S.1018,The Refund to Rainy Day Savings Act, Retirement Savings. Utilizes tax return for retirement savings. S. 2370, Automatic IRA Act of 2019. The legislation would mandate that most employers that do not offer their employees another type of retirement plan, establish an automatic enrollment, payroll deduction program with contributions withheld from employee pay and contributed to an IRA or retirement bond. Bipartisan Budget Act of 2019, Bipartisan Budget Agreement for Fiscal Years 2020 and 2021 agreed to White House and Congress. H.R.1185 - FAMILY Act. Issue: paid family and medical leave H.R.1940 - New Parents Act of 2019. Issue: paid family and medical leave H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave S.463 - FAMILY Act. Issue: paid family and medical leave S.920 - New Parents Act of 2019. Issue: paid family and medical leave Discussion draft - CRADLE Act. Issue: paid family and medical leave Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave

1.H.R. 1865, the Further Consolidated Appropriations Act of 2020. Issue: Retirement Security, Inclusion of the SECURE Act within this government funding bill. 2.H.R.1007 - Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms 3.S. 972, Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms 4.H.R. 1997, the Setting Every Community up for Retirement Act. Issue: retirement security reforms 5.H.R. 1439, the Increasing Access to a Secure Retirement Act Issue: Provides a fiduciary safe harbor to the selection of an annuity provider. 6.H.R.1994 - Setting Every Community Up for Retirement Enhancement Act of 2019 (SECURE). Issue: retirement security reforms 7.H.R. 1993, Providing Retirement Security to Workers in Small Businesses, Cooperatives, and Service Organizations Act of 2019. Issue: Retirement Security, Open Multiple Employer Plans. 8.Saving for the Future Act. Issue: Mandated retirement account employer match. 9.S. 322, SIMPLE Plan Modernization Act. Issue: Makes improvements to SIMPLE retirement accounts and ease the transition from a SIMPLE plan to a 401(k) plan. 10.S. 321, the Retirement Security Act of 2019. Issue: Allows for open MEPs. 11.S. 1431, Retirement Security and Savings Act of 2019. Retirement Security. 12.S. 1428, Retirement Parity for Student Loans Act, Student Loan Retirement Match. 13.S.1011, The Small Business Employees Retirement Enhancement Act, Open MEPs. 14.S.1020, The Retirement Flexibility Act, Retirement Security, automatic enrollment/escalation. 15.S.1019, The Strengthening Financial Security Through Short-Term Savings Act, Retirement Security. Addresses retirement plan leakage. 16.S.1018,The Refund to Rainy Day Savings Act, Retirement Savings. Utilizes tax return for retirement savings. 17. S. 2370, Automatic IRA Act of 2019. The legislation would mandate that most employers that do not offer their employees another type of retirement plan, establish an automatic enrollment, payroll deduction program with contributions withheld from employee pay and contributed to an IRA or retirement bond. 18.Bipartisan Budget Act of 2019, Bipartisan Budget Agreement for Fiscal Years 2020 and 2021 agreed to White House and Congress. Income Security 19.H.R.1185 - FAMILY Act. Issue: paid family and medical leave 20.H.R.1940 - New Parents Act of 2019. Issue: paid family and medical leave 21.H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave 22.S.463 - FAMILY Act. Issue: paid family and medical leave 23.S.920 - New Parents Act of 2019. Issue: paid family and medical leave 24.Discussion draft - CRADLE Act. Issue: paid family and medical leave 25.Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave

Retirement Security as in the following bills: -Graduate Student Savings Act of 2019 (S. 448, H.R. 1194) -Retirement Security Act of 2019 (S. 321) -Retirement Enhancement and Savings Act of 2019 (S. 972, H.R. 1007) -Family Savings Act of 2019 (H.R. 1084) -Increasing Access to a Secure Retirement Act of 2019 (H.R. 1439) -Lifetime Income Disclosure Act (S. 1574, H.R. 2367) -Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (Not yet reintroduced) -Retirement Plan Simplification and Enhancement Act (Not yet reintroduced) -Receiving Electronic Statements to Improve Retiree Earnings Act (Not yet reintroduced) -Small Businesses Add Value for Employees Act (SAVE Act) (Not yet reintroduced) -Automatic Retirement Plan Act (Not yet reintroduced) -Portability of Lifetime Income and Managed Account Options (Not yet reintroduced) -Retirement Security and Savings Act (S. 1431) -Retirement Parity for Student Loans Act (S. 1428) -The Setting Every Community Up for Retirement Enhancement Act (H.R. 1994) - Automatic IRA Act of 2019 (S.2370) 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 Infrastructure Student Loans

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

H.R. 4035 - Pension and Budget Integrity Act of 2019 H.R. 1994 - The Setting Every Community Up for Retirement Enhancement Act of 2019 H.R. 1865 - Further Consolidated Appropriations Act, 2020 H.R. 1516 - Wall Street Tax Act of 2019 H.R. 1007 - Retirement Enhancement and Savings Act of 2019 H.R. 397 - Rehabilitation of Multiemployer Pensions Act of 2019 S. 2962 - Higher Education Loan Payment and Enhanced Retirement Act of 2019 S. 2370 - Automatic IRA Act of 2019 S. 1431 - Retirement Security and Savings Act S. 1428 - Retirement Parity for Student Loans Act S. 972 - Retirement Enhancement and Savings Act S. 647 - Wall Street Tax Act of 2019 S. 322 - The SIMPLE Plan Modernization Act S. 321 - Retirement Security Act of 2019

Client expense: $157,281 · Firm income: Not reported

H.R. 1007 - Retirement Enhancement and Savings Act of 2019; entire bill H.R. 1439 - Increasing Access to a Secure Retirement Act of 2019; entire bill H.R. 1874 - To amend the Internal Revenue Code of 1986 to require that qualified cash or deferred arrangements allow certain long-term employees to participate; entire bill H.R. 1957 - Taxpayer First Act of 2019; entire bill H.R. 1993 - Providing Retirement Security to Workers in Small Businesses, Cooperatives, and Service Organizations Act of 2019; entire bill H.R. 1994 - Setting Every Community Up for Retirement Enhancement Act of 2019; entire bill H.R. 2367 - Lifetime Income Disclosure Act; entire bill H.R. 3300 - Economic Mobility Act of 2019; entire bill S. 321 - Retirement Security Act of 2019; entire bill S. 322 - SIMPLE Plan Modernization Act; entire bill S. 972 - Retirement Enhancement and Savings Act (RESA); entire bill S. 1011 - To amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to modify the requirements for multiple employer plans, and for other purposes; entire bill S. 1018 - Refunds to Rainy Day Savings Act; entire bill S. 1019 - Strengthening Financial Security Through Short-Term Savings Accounts Act of 2019; entire bill S. 1020 - Retirement Flexibility Act; entire bill S. 1428 - Retirement Parity for Student Loans Act; entire bill S. 1431 - Retirement Security and Savings Act of 2019; entire bill S. 2370 - Automatic IRA Act of 2019; entire bill Not Yet Introduced: Proposal for an employer retirement plan requirement sponsored Rep. Richard Neal Not Yet Introduced: SAVE Act sponsored by Rep. Ron Kind Not Yet Introduced: Portable retirement and investment account legislation sponsored by Rep. Jim Himes

Client expense: $140,000 · Firm income: Not reported

1.H.R.1007 - Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms 2.S. 972, Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms 3.H.R. 1997, the Setting Every Community up for Retirement Act. Issue: retirement security reforms 4.H.R. 1439, the Increasing Access to a Secure Retirement Act Issue: Provides a fiduciary safe harbor to the selection of an annuity provider. 5.H.R.1994 - Setting Every Community Up for Retirement Enhancement Act of 2019 (SECURE). Issue: retirement security reforms 6.H.R. 1993, Providing Retirement Security to Workers in Small Businesses, Cooperatives, and Service Organizations Act of 2019. Issue: Retirement Security, Open Multiple Employer Plans. 7.Saving for the Future Act. Issue: Mandated retirement account employer match. 8.S. 322, SIMPLE Plan Modernization Act. Issue: Makes improvements to SIMPLE retirement accounts and ease the transition from a SIMPLE plan to a 401(k) plan. 9.S. 321, the Retirement Security Act of 2019. Issue: Allows for open MEPs. 10.S. 1431, Retirement Security and Savings Act of 2019. Retirement Security. 11.S. 1428, Retirement Parity for Student Loans Act, Student Loan Retirement Match. 12.S.1011, The Small Business Employees Retirement Enhancement Act, Open MEPs. 13.S.1020, The Retirement Flexibility Act, Retirement Security, automatic enrollment/escalation. 14.S.1019, The Strengthening Financial Security Through Short-Term Savings Act, Retirement Security. Addresses retirement plan leakage. 15.S.1018,The Refund to Rainy Day Savings Act, Retirement Savings. Utilizes tax return for retirement savings. 16. S. 2370, Automatic IRA Act of 2019. The legislation would mandate that most employers that do not offer their employees another type of retirement plan, establish an automatic enrollment, payroll deduction program with contributions withheld from employee pay and contributed to an IRA or retirement bond. 17.Bipartisan Budget Act of 2019, Bipartisan Budget Agreement for Fiscal Years 2020 and 2021 agreed to White House and Congress. Income Security 18.H.R.1185 - FAMILY Act. Issue: paid family and medical leave 19.H.R.1940 - New Parents Act of 2019. Issue: paid family and medical leave 20.H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave 21.S.463 - FAMILY Act. Issue: paid family and medical leave 22.S.920 - New Parents Act of 2019. Issue: paid family and medical leave 23.Discussion draft - CRADLE Act. Issue: paid family and medical leave 24.Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave 1.H.R.1185 - FAMILY Act. Issue: paid family and medical leave 2.H.R.1940 - New Parents Act of 2019. Issue: paid family and medical leave 3.H.R.2163 - To amend the Internal Revenue Code of 1986 to allow for tax-advantaged distributions from health savings accounts during family or medical leave, and for other purposes. Issue: paid family and medical leave 4.S.463 - FAMILY Act. Issue: paid family and medical leave 5.S.920 - New Parents Act of 2019. Issue: paid family and medical leave 6.S.1628 -Paid Family Leave Pilot Extension Act. Issue: paid family and medical leave 7.S.1895 - Lower Health Care Costs Act. Issue: dental plans 8.Discussion draft - CRADLE Act. Issue: paid family and medical leave 9.Proposed FY 2020 Budget proposal on paid family and medical leave. Issue: paid family and medical leave

RET - 2019 Q3 1.H.R. 1007 - Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms 2.H.R. 1439 - the Increasing Access to a Secure Retirement Act Issue: Provides a fiduciary safe harbor to the selection of an annuity provider. 3.H.R. 1993 - Providing Retirement Security to Workers in Small Businesses, Cooperatives, and Service Organizations Act of 2019. Issue: Retirement Security, Open Multiple Employer Plans. 4.H.R. 1994 - Setting Every Community Up for Retirement Enhancement Act of 2019 (SECURE). Issue: retirement security reforms 5.H.R. 1997 - the Setting Every Community up for Retirement Act. Issue: retirement security reforms 6.S. 321 - the Retirement Security Act of 2019. Issue: Allows for open MEPs. 7.S. 322 - SIMPLE Plan Modernization Act. Issue: Makes improvements to SIMPLE retirement accounts and ease the transition from a SIMPLE plan to a 401(k) plan. 8.S. 972 - Retirement Enhancement and Savings Act of 2019 (RESA). Issue: retirement security reforms 9.S. 1011 - The Small Business Employees Retirement Enhancement Act, Open MEPs. 10. S. 1020 - The Retirement Flexibility Act, Retirement Security, automatic enrollment/escalation. 11. S. 1019 - The Strengthening Financial Security Through Short-Term Savings Act, Retirement Security. Addresses retirement plan leakage. 12. S. 1018 - The Refund to Rainy Day Savings Act, Retirement Savings. Utilizes tax return for retirement savings. 13. S. 1431 - Retirement Security and Savings Act of 2019. Retirement Security. 14. S. 1428 - Retirement Parity for Student Loans Act, Student Loan Retirement Match. 15. S. 2370 - Automatic IRA Act of 2019. The legislation would mandate that most employers that do not offer their employees another type of retirement plan, establish an automatic enrollment, payroll deduction program with contributions withheld from employee pay and contributed to an IRA or retirement bond. 16. Saving for the Future Act. Issue: Mandated retirement account employer match. 17. Bipartisan Budget Act of 2019, Bipartisan Budget Agreement for Fiscal Years 2020 and 2021 agreed to White House and Congress.

Retirement Security as in the following bills: -Graduate Student Savings Act of 2019 (S. 448, H.R. 1194) -Retirement Security Act of 2019 (S. 321) -Retirement Enhancement and Savings Act of 2019 (S. 972, H.R. 1007) -Family Savings Act of 2019 (H.R. 1084) -Increasing Access to a Secure Retirement Act of 2019 (H.R. 1439) -Lifetime Income Disclosure Act (S. 1574, H.R. 2367) -Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (Not yet reintroduced) -Retirement Plan Simplification and Enhancement Act (Not yet reintroduced) -Receiving Electronic Statements to Improve Retiree Earnings Act (Not yet reintroduced) -Small Businesses Add Value for Employees Act (SAVE Act) (Not yet reintroduced) -Automatic Retirement Plan Act (Not yet reintroduced) -Portability of Lifetime Income and Managed Account Options (Not yet reintroduced) -Retirement Security and Savings Act (S. 1431) -Retirement Parity for Student Loans Act (S. 1428) -The Setting Every Community Up for Retirement Enhancement Act (H.R. 1994) - Automatic IRA Act of 2019 (S.2370) 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 Infrastructure Student Loans

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