Retirement Parity for Student Loans Act

Self-Regulatory Organization (SRO) Reform; H.R. 2265 - the Financial Exploitation Prevention Act of 2021; H.R. ____ - to amend the Securities Exchange Act of 1934 to add certain requirements for the filing and approval of proposed rule changes by self-regulatory organizations; H.R. ____ - the "Securities Exchange Reform Act of 2022" (Rep Sherman); H.R. 2288 - to amend the Internal Revenue Code of 1986 to reinstate advance refunding bonds; H.R. 2634 - Local Infrastructure Financing Tools Act; S. 1676 - Rural Broadband Financing Flexibility Act; S. 1308 - American Infrastructure Bonds Act of 2021; S. 1770 - Retirement Security and Savings Act of 2021; S. 1443/H.R. 2917 - Retirement Parity for Student Loans Act; H.R. ____ - Capital Markets Transparency Act; H.R. ____ - to amend the Securities Exchange Act of 1934 to establish certain requirements with respect to retail investor options trading; H.R. ____ - to amend the Securities Exchange Act of 1934 to prohibit payment for order flow in the form of exchange rebates; H.R. 4617 - To require the SEC to carry out a study on PFOF, to require the Investor Advocate of the Commission to provide recommendations on PFOF, and for other purposes; H.R. 4618 - the Short Sale Transparency and Market Fairness Act of 2021; H.R. 4619 - to amend the Securities Exchange Act of 1934 to prohibit trading ahead by market makers, and for other purposes; S. 4147 - Financial Freedom Act of 2022; S. 1854 and H.R. 6323 - The National Critical Capabilities Defense Act; Rule 15c2-11; Public Law 117-328 - Consolidated Appropriations Law (FSGG report language related to the Consolidated Audit Trail); SEC 15c2-11 staff interpretation to impact 144A private securities; SEC proposals to modify equity market structure.

Client expense: $2,150,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Taxation of contract modifications associated with transition from LIBOR to alternative reference rates, including SOFR; Proposals to expand bank information reporting requirements; H.R. 5376 - Build Back Better Act; Modernization Derivatives Tax Act; S. 479 - LOCAL Infrastructure Act; H.R. 2288 - To amend the Internal Revenue Code of 1986 to reinstate advance refunding bonds; S. 817/H.R. 328 - Wall Street Tax Act of 2021; S. 1308 - American Infrastructure Bonds Act of 2021; S. 1676 - Rural Broadband Financing Flexibility Act; S. 1770 - Retirement Security and Savings Act of 2021; S. 1443/H.R. 2917 - Retirement Parity for Student Loans Act of 2021; H.R. 2634 - the LIFT Act; Public Law 117-328, Consolidated Appropriations Law (Secure 2.0 retirement provisions).

Client expense: $2,150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

1.S. 1870/H.R. 7146, the Enhancing Emergency and Retirement Savings Act of 2021: The legislation would provide a penalty-free emergency distribution option from employer-sponsored retirement accounts and IRAs. 2.Portable Retirement and Investment Account Act (PRIA): Creates retirement accounts at birth to help establish lifelong savings/retirement accounts. 3.H.R. 2954, Securing a Strong Retirement Act (SECURE 2.0) / Retirement Security and Savings Act: Comprehensive retirement savings legislation. 4.S. 1272, The SIMPLE Plan Modernization Act: The bill would raise the contribution limit for SIMPLE plans from $13,500 to $16,500 with a corresponding increase in the catch-up limit from $3,000 to $4,750. 5.S. 1770, The Retirement Security & Savings Act: Comprehensive retirement savings legislation. 6.S. 1703, The Improving Access to Retirement Savings Act of 2021: The bill would expand Open Multiple Employer Plans to include 403(b) accounts, create a safe harbor for correcting employee deferrals and make clarifications for small businesses who wish to utilize a credit to offer a retirement plan to their employees. 7.S. 1443, The Retirement Parity for Student Loans Act: Allows employers to make matching contributions to a 401(k)-retirement plan while their employees make student loan repayments. 8. S. 975 / H.R. 2005, the Womens Retirement Security Act of 2021: Addresses the retirement gap and bolsters womens financial security through amending ERISA and increasing financial literacy. 9.S. 2452, the Encouraging Americans to Save Act: Reforms the savers credit, makes the credit refundable, establishes an R-bond program, and amends the deadline to fund an IRA with a tax refund, among other provisions. 10.H.R. 5891, The Retirement Improvement and Saving Enhancement (RISE) Act: Contains several retirement security provisions, also included within H.R. 2459 (SSRA). Also requires DOL, the Department of the Treasury, and the Pension Benefit Guaranty Corporation (PBGC) to review reporting and disclosure requirements for pension plans and make recommendations to Congress to consolidate, simplify, standardize, and improve such requirements. 11. Audit Consolidation Act and the Simplifying Retirement Act: Allows group plans to file a single Form 5500 for the entire retirement plan, ensures small employers are not burdened with administrative complexities. Allows pooled employer providers who manage PEPs to utilize Discretionary or Directed Trustees to manage assets and collect contributions would help to contain costs and make plan easier to manage for the small employers who choose to participate. 12.H.R. 6746, Lifetime Income for Employees (LIFE) Act of 2022: Amends the current rules for qualified default investment alternatives to facilitate the use of an annuity component will expand the availability of guaranteed returns and guaranteed lifetime income that help savers secure their retirement futures. 13.The Enhancing American Retirement Now (EARN) Act: Builds upon S. 1770 with additional retirement provisions. Considered the Senate version of SECURE 2.0. 14.The Rise and Shine Act: Senate HELP provisions covered by ERISA to be included with a Senate retirement package (SECURE 2.0). 15. S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts. 16. S.4103, Helping Parents Save for College Act of 2022: Would make two important changes to the way 529 college savings accounts are designed to increase utilization. 17. S.4087, INFORM Act: would require plan sponsors to provide participants and beneficiaries with the critical information that would allow them to make an informed decision when presented with such a lump-sum offer. The INFORM Act also would require a notice to affected participants and beneficiaries 90 days before the period in which they must make a decision. The INFORM Act would further require disclosure to the Department of Labor, so information can be collected on these practices. 18. S.3993, the Savings Access for Escaping and Rebuilding Act (SAFER) Act: A bill to amend the Internal Revenue Code of 1986 to allow penalty-free withdrawals from retirement plans for domestic abuse victims. 19. S.1273, the Military Spouses Retirement Security Act: Would allow military spouses to vest earlier and provide incentives for employers. 20.American Worker Savings and Wealth Creation Plan Act: Would create a TSP type government-run retirement program. 21.Division T of the Consolidated Appropriations Act, 2023: Combines numerous retirement security bills, including the EARN act, Rise and Shine and SSRA into a comprehensive package. Would expand retirement savings for Americans. Income Security The Enhancing American Retirement Now (EARN) Act: Builds upon S. 1770 with additional retirement provisions. Considered the Senate version of SECURE 2.0. S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts. H.R. 133, Both provisions are in the larger bill. 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. Concurrent Resolution on the Budget, FY2022, S.Con.Res.14. The budget resolution calls for the $3.5 trillion in long-term investments to be fully offset by a combination of new tax revenues, health care savings, and long-term economic growth. In addition, the agreement would prohibit new taxes on families making less than $400,000 per year, and on small businesses and family farms. Issue: Medicare/Dental (Expanding Medicare to include dental, vision, hearing benefits and lowering the eligibility age). H.R. 5376- Build Back Better Act this bill provides funding, establishes programs, and otherwise modifies provisions relating to a broad array of areas, including education, labor, child-care, health care, taxes, immigration, and the environment. 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.

Client expense: $1,271,337 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbied on Section 179D, the Energy Efficient Commercial Building Tax Deduction in the Inflation Reduction At (P.L. 117-169). Lobbied on Section 25C, the Nonbusiness Energy Property Credit in the Inflation Reduction Act (P.L. 117-169). Lobbied on Section 45L, the Energy Efficient Home Credit in the Inflation Reduction Act (P.L. 117-169). Lobbied on the research and development tax credit. No bill number. Lobbied for the Historic Tax Credit Growth and Opportunity Act of 2021 (H.R. 2294). The bill would amend the Internal Revenue Code of 1986 to modify the rehabilitation credit for certain small projects, to eliminate the requirement that the taxpayer's basis in a building be reduced by amount of the rehabilitation credit determined with respect to such building, and for other purposes. Lobbied in support of the Retirement Parity for Student Loans Act (S. 1443/H.R. 2917). The bill would amend the Internal Revenue Code of 1986 to permit treatment of student loan payments as elective deferrals for purposes of employer matching contributions, and for other purposes. Lobbied for the Stronger, Healthier Environment for Low-Income Tenants and Economic Renewal (S. 1805).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Lobbied on Section 179D, the Energy Efficient Commercial Building Tax Deduction in the Inflation Reduction Act (P.L. 117-169). Lobbied on Section 25C, the Nonbusiness Energy Property Credit in the Inflation Reduction Act (P.L. 117-169). Lobbied on Section 45L, the Energy Efficient Home Credit in the Inflation Reduction Act (P.L. 117-169). Lobbied on the research and development tax credit. No bill number. Lobbied for the Historic Tax Credit Growth and Opportunity Act of 2021 (H.R. 2294). The bill would amend the Internal Revenue Code of 1986 to modify the rehabilitation credit for certain small projects, to eliminate the requirement that the taxpayer's basis in a building be reduced by amount of the rehabilitation credit determined with respect to such building, and for other purposes. Lobbied in support of the Retirement Parity for Student Loans Act. (S. 1443/H.R. 2917). The bill would amend the Internal Revenue Code of 1986 to permit treatment of student loan payments as elective deferrals for purposes of employer matching contributions, and for other purposes. Lobbied for the Stronger, Healthier Environment for Low-Income Tenants and Economic Renewal(H.R. 3925/S. 1805).

Client expense: $240,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 2954, Securing a Strong Retirement Act of 2022, provisions relating to student loans H.R. 2917, Retirement Parity for Student Loans Act of 2021, all provisions S. 1443, Retirement Parity for Student Loans Act, all provisions H.R. 2256, Resident Physician Shortage Reduction Act of 2021, all provisions S. 834, Resident Physician Shortage Reduction Act of 2021, all provisions S. 54, Strengthening Americas Health Care Readiness Act, all provisions S. 924, Rural America Health Corps Act, all provisions H.R. 8850, Fair Access In Residency (FAIR) Act, all provisions H.R. 4014, Physician Shortage GME Cap Flex Act of 2021, all provisions S. 2094, Physician Shortage GME Cap Flex Act of 2021, all provisions S. 4330, Specialty Physicians Advancing Rural Care Act, all provisions H.R. 7539, Indian Health Service Health Professions Tax Fairness Act of 2022, all provisions S. 2874, Indian Health Service Health Professions Tax Fairness Act of 2021, all provisions H.R. 3671, Doctors of Community (DOC) Act, all provisions S. 1958, Doctors of Community (DOC) Act, all provisions H.R. 4122, Resident Education Deferred Interest (REDI) Act, all provisions S. 3658, Resident Education Deferred Interest (REDI) Act, all provisions Public Sector Loan Forgiveness Program (PSLF)

Client expense: $5,060,000 · Firm income: Not reported

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

Student Loans -American Rescue Plan (H.R. 1319) -Retirement Parity for Student Loans Act (H.R. 2917 & S. 1443) Remote Notarization -SECURE Notarization Act (H.R. 3962/S. 1625) Emergency Savings -Enhancing Emergency and Retirement Savings Act (S. 1870 / H.R. 7146) Inflation Reduction Act (HR 5376) -Corporate Alternative Minimum Tax

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Legislation and rulemaking affecting annuities, variable life products and retirement savings including Biden Administration and Congressional proposals on tax reform. DOL - EBSA - Cybersecurity Guidance for Plan Sponsors, Fiduciaries, Record Keepers and Participants. DOL - EBSA - PTE 2020-02 - Improving Investment Advice for Workers & Retirees. DOL - EBSA - Financial Factors in Selecting Plan Investments - ZRIN 1210-AB95. DOL - EBSA - Improving Investment Advice for Workers and Retirees - ZRIN 1210-ZA29. DOL - EBSA - Pension Benefit Statements-Lifetime Income Illustrations - RIN 1210-AB20. DOL - EBSA - Fiduciary Duties Regarding Proxy Voting and Shareholder Rights - RIN 1210-AB91. DOL - OSEC - Rescission of Department of Labor Rule on Guidance (29 CFR Part 89 - RIN 1290-AA41). DOL - EBSA - Amendment to and Partial Revocation of Prohibited Transaction Exemption (PTE) 84-24 for Certain Transactions Involving Insurance Agents and Brokers, Pension Consultants, Insurance Companies, and Investment Company Principal Underwriters. DOL - EBSA - Definition of the Term Fiduciary - RIN 1210-AC02. DOL - EBSA - Prudence and Loyalty in Selecting Plan Investments and Exercising Shareholder Rights - RIN 1210-AC03/29 CFR 2550. DOL - EBSA - RFI on Possible Agency Actions to Protect Life Savings and Pensions from Threat of Climate-Related Financial Risk - RIN 1210-ZA30. DOL - EBSA - Compliance Assistance Release 2022-01 to 401(k) Plan Fiduciaries on Use of Cryptocurrencies - March 10, 2022. DOL - EBSA - Proposed Rule to Amend Procedures Governing the Filing and Processing of Prohibited Transaction Exemption (PTE) Applications - RIN 1210-ACO5. DOL - Wage and Hour Division - Employee or Independent Contractor Classification Under the Fair Labor Standards Act -- 87 FR 62218/RIN 1235-AA43. DOL - EBSA - Employee Benefits Security - Proposed Amendment to Prohibited Transaction Class Exemption 84-14 (the QPAM Exemption) - 29 CFR Part 2550/Z-RIN 1210 ZA07. DOL - EBSA - Voluntary Fiduciary Correction - 29 CFR Parts 2560 and 2570/RIN 1210-AB64. EOP - Executive Order on Climate-Related Financial Risk. EOP - Amending Executive Order 13959 - Addressing the Threat from Securities Investments That Finance Communist Chinese Military Companies (E.O. 13974 of Jan 13, 2021 - 86 FR 4875). EOP - Executive Order 13990 - Protecting Public Health and the Environment and Restoring Science to Tackle the Climate Crisis (Federal Register/Vol. 86, No. 14 - Monday, January 25, 2021). FINRA - Comment on Lessons From the COVID-19 Pandemic (Regulatory Notice 20-42). FINRA - Request for Comment on Effective Practices and rule Enhancements for Sales Practice Obligations for Complex Products and Options (Regulatory Notice 22-08). Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions. Proposals at the Department of Labor for increasing Americans' access to guaranteed lifetime income solutions. DOL implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). Treasury/IRS implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC - Implementation and Enforcement of Regulation BI and Form CRS. SEC implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC - Reporting Threshold for Institutional Investment Managers - RIN 3235-AM65. SEC - Request for Information and Comments on Broker-Dealer and Investment Adviser Digital Engagement Practices, Related Tools and Methods, and Regulatory Considerations and Potential Approaches; Information and Comments on Investment Adviser Use of Technology to Develop and Provide Investment Advice - RIN 3235-AN00 (Release Nos. 34-92766; IA-5833; File No. S7-10-21). SEC - FINRA - Proposed Rule Change to Amend FINRA Rule 2231 (Customer Account Statements) - SR-FINRA-2021-024. SEC - FINRA - Proposed Rule Change to Extend the Effectiveness of Temporary FINRA Rule 3110.17 - SR-FINRA-2021-023. SEC - Staff Bulletin: Standards of Conduct for Broker-Dealers and Investment Advisers Account Recommendations for Retail Investors - March 29, 2022. SEC - Proposed Rule Enhancement and Standardization of Climate-Related Disclosures for Investors (17 CFR 210, 229, 232, 239, and 249, RIN 3235-AM87). The Lifetime Income for Employees Act (H.R. 6746 - 117th Congress). The American Infrastructure Bonds Act (S.1308 - 117th Congress). The Financial Factors in Selecting Retirement Plan Investment Act (S.1762/H.R. 3387-117th Congress). The Improving Access to Retirement Savings Act of 2021 (S.1703 - 117th Congress). The INVEST in America Act (H.R. 3684 - 117th Congress). The Local Infrastructure Financing Tools (LIFT) Act (HR 2634 - 117th Congress). The Protecting the Right to Organize (PRO) Act (S. 420/H.R. 842-117th Congress). The Retirement Parity for Student Loans Act (S.1443/HR 2917 - 117th Congress). The Retirement Savings Lost and Found Act (S.1730 - 117th Congress). The Retirement Security and Savings Act of 2021 (S.1770 - 117th Congress). The Secure and Fair Enforcement (SAFE) Banking Act (S.910/H.R. 1996-117th Congress). The Securing a Strong Retirement Act (H.R.2954 - 117th Congress). The Securing and Enabling Commerce Using Remote and Electronic Notarization Act (S.1625/H.R. 3962 - 117th Congress). Womens Retirement Protection Act (S.2446/H.R. 4678 - 117th Congress). The Empowering States to Protect Seniors from Bad Actors Act (H.R. 5914 - 117th Congress). The Retirement Improvement and Savings Enhancement (RISE) Act (H.R. 5891 - 117th Congress). The Registration for Index-Linked Annuities (RILA) Act (S.3198/H.R. 4865 - 117th Congress). The Automatic Reenroll Act (S.3712/H.R. 6782 -117th Congress). The E-SIGN Modernization Act of 2022 (S.3715 - 117th Congress). The Lifetime Income for Employees Act (H.R. 6746 - 117th Congress). The Retirement Improvement and Savings Enhancement to Supplement Healthy Investments for the Nest Egg (RISE & SHINE) Act (S.4353 - 117th Congress). The Protecting Americas Retirement Security Act (H.R.7310 - 117th Congress). The Primary Regulators of Insurance Vote Act (S.4110/H.R.3099 - 117th Congress). The American Data Privacy and Protection Act (H.R.8152 - 117th Congress). The Employee and Retiree Access to Justice Act (S.4129/H.R.7740 - 117th Congress). The Enhancing American Retirement Now (EARN) Act (S.4808 - 117th Congress). The Consolidated Appropriations Act, 2023 - Division T and Division AA, Title I, Section 101 (H.R. 2617 - 117th Congress). The General Accounts Product Clarifications Act (H.R.9515 - 117th Congress). The Retirement Savings for Americans Act of 2022 (S.5271 - 117th Congress).

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

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

Policy issues related to student loans and the federal response to the COVID-19 virus, including the student loan payment and interest moratorium and other college affordability and student loan proposals, including the Retirement Parity for Student Loans Act (H.R. 2917/S. 1443) and the FRESH START Through Bankruptcy Act (S. 2598), and issues related to new student loan program regulations.

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

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

H.R. 1319 - American Rescue Plan Act of 2021 H.R. 2617 - Consolidated Appropriations Act, 2023 H.R. 2796 - Family Attribution Modernization Act H.R. 2917 - Retirement Parity for Student Loans Act of 2021 H.R. 2927 - SAVE Act of 2021 H.R. 2954 - Securing a Strong Retirement Act of 2022 H.R. 3387 - Financial Factors in Selecting Retirement Plan Investments Act H.R. 5376 - Inflation Reduction Act of 2022 H.R. 5832 - Retirement Savings Lost and Found Act of 2021 H.R. 5891 - Retirement Improvement and Savings Enhancement (RISE) Act H.R. 6241 - Disaster Retirement Savings Act H.R. 6782 - Auto Reenroll Act of 2022 H.R. 7146 - Enhancing Emergency and Retirement Savings Act of 2022 H.R. 7310 - Protecting Americas Retirement Security Act H.R. 8125 - Starter-K Act of 2022 S. 1272 - SIMPLE Plan Modernization Act S. 1443 - Retirement Parity for Student Loans Act S. 1703 - Improving Access to Retirement Savings Act S. 1730 - Retirement Savings Lost and Found Act of 2021 S. 1762 - Financial Factors in Selecting Retirement Plan Investments Act S. 1770 - Retirement Security and Savings Act of 2021 S. 1870 - Enhancing Emergency and Retirement Savings Act of 2021 S. 2583 - Disaster Retirement Savings Act S. 3712 - Auto Reenroll Act of 2022 S. 3955 - Starter-K Act of 2022 S. 4086 - Increasing Small Business Retirement Choices Act S. 4353 - RISE & SHINE Act S. 4808 - EARN Act

Client expense: $275,157 · Firm income: Not reported

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

Monitor SEC's Regulation Best Interest Regarding the Department of Labors Financial Factors in Selecting Plan Investments, support changes to prevent the Department from requiring plan fiduciaries to select investments based solely on pecuniary factors and prohibiting consideration of Environmental, Societal, and Governmental factors. (No specific bills.) H.R. 2954, the Securing a Strong Retirement Act of 2021. S.1443, The Retirement Parity for Student Loans Act. H.R.4865, the Registration for Index-Linked Annuities Act. S.3198, the Registration for Index-Linked Annuities Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Support S.1443 and H.R.2917, Retirement Parity for Student Loans Act of 2021. Support H.R.4865/S.3198, Registration for Index Linked Annuities (RILA) Act. Support Consolidated Appropriations Act of 2023 - includes SECURE 2.0 and RILA bills.

Client expense: $180,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Work to keep insurance regulated by the states and not by the Consumer Financial Protection Bureau or set by international bodies. Oppose legislation to repeal the McCarran-Ferguson antitrust exemption for the business of insurance. Advocate for privacy measures in line with GLBA and HIPAA as applied to financial services. Support H.R. 8152 American Data Privacy & Protection Act. Support HFSC Ranking Member Patrick McHenry's Data Privacy Discussion Draft. Oppose legislation to provide retroactive pandemic business interruption insurance. Support legislation of e-signatures, e-disclosures, and e-notarizations, including S. 3715 E-Sign Modernization Act. Support H.R.3962 and S.1625 SECURE Notarization Act of 2021. Support H.R. 4350/H.R. 7900/S. 2792, NDAA for FY 2022 - includes both SAFE Banking and SECURE Notarization Act. Support increased CDFI and MDI funding in President's FY 2023 Budget Proposal and House Appropriations FSSC Bill. Support "Build America Bonds" for infrastructure. Support S.1443 and H.R.2917, Retirement Parity for Student Loans Act of 2021. Support H.R.1996/S.910 Secure and Fair Enforcement Banking SAFE Act - This bill generally prohibits a federal regulator from penalizing a financial institution for providing services to a legitimate cannabis-related business. Support H.R.4865/S.3198, Registration for Index Linked Annuities (RILA) Act. Support Consolidated Appropriations Act of 2023 - includes SECURE 2.0 and RILA bills. Support Expanding Financial Access for Underserved Communities Act. Support life insurance tax stabilization provision and 2022 Budget Reconciliation to Build Back Better. Oppose H.R. 8874/S. 4674 Credit Card Competition Act of 2022.

Client expense: $180,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Work to keep insurance regulated by the states and not by the Consumer Financial Protection Bureau or set by international bodies. Oppose legislation to repeal the McCarran-Ferguson antitrust exemption for the business of insurance. Advocate for privacy measures in line with GLBA and HIPAA as applied to financial services. Support H.R. 8152 American Data Privacy & Protection Act. Support HFSC Ranking Member Patrick McHenry's Data Privacy Discussion Draft. Oppose legislation to provide retroactive pandemic business interruption insurance. Support legislation of e-signatures, e-disclosures, and e-notarizations, including S. 3715 E-Sign Modernization Act. Support H.R.3962 and S.1625, SECURE Notarization Act of 2021. Support H.R. 4350/S. 2792, NDAA for FY 2022 - includes both SAFE Banking and SECURE Notarization Act. Support increased CDFI and MDI funding in President's FY 2023 Budget Proposal and House Appropriations FSSC bill. Support "Build America Bonds" for infrastructure. Support S.1443 and H.R.2917, Retirement Parity for Student Loans Act of 2021. Support H.R.1996/H.R. 7900/S.910 Secure and Fair Enforcement Banking SAFE Act - This bill generally prohibits a federal regulator from penalizing a financial institution for providing services to a legitimate cannabis-related business. Support H.R.4865/S.3198, Registration for Index Linked Annuities (RILA) Act. Support Consolidated Appropriations Act of 2023 - includes SECURE 2.0 and RILA bills. Support life insurance tax stabilization provision and 2022 Budget Reconciliation to Build Back Better. Support Expanding Financial Access for Underserved Communities Act.

Client expense: $180,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Potential legislative proposals to assist student loan borrowers, including forbearance and repayment assistance, S.1443 and H.R.2917, the "Retirement Parity for Student Loans Act of 2021," and H.R.2954, the "Securing a Strong Retirement Act of 2021."

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Potential legislative proposals to assist student loan borrowers, including forbearance and repayment assistance, S.1443 and H.R.2917, the "Retirement Parity for Student Loans Act of 2021," and H.R.2954, the "Securing a Strong Retirement Act of 2021."

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

s. 1770, Retirement Savings and Security Act - promote employer sponsorship of retirement savings plans and employees participation in plans H.R. 2954, Secure a Strong Retirement Act - promote employer sponsorship of retirement savings plans and employees participation in plans H.R. 2917/S. 1443, Retirement Parity for Student Loans Act - allow employers to make matching contributions to a 401(k) plan while their employees make student loan payments 2022 Budget Reconciliation to Build Back Better - retirement security provisions S.1870/H.R. 7146 - Enhancing Emergency and Retirement Savings Act - withdrawal from retirement account for emergency expenses S. 2061 - Strengthening Financial Security Through Short-Term Savings Accounts - withdrawal from retirement account for emergency expenses S. 4353 - RISE & SHINE Act - wholistic retirement security bill to increase retirement plan adaption, employee participation, and facilitation of lifetime time options. S. 4808- EARN Act - wholistic retirement security bill to increase retirement plan adaption, employee participation, and facilitation of lifetime time options. DOL Fiduciary Rule - build awareness of issues associated with anticipated new rule by Department of Labor revising current standard for advisors to give investment advice SECURE 2.0 incluido in Consolidated Appropriations Act 2023 - retirement security enhancement package

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Tax incentives for retirement savings; Electronic delivery of retirement plan documents and disclosures; ESG Investing relating to retirement accounts; S. 1443/H.R. 2917 - Retirement Parity for Student Loans Act of 2021; S. 1770 - Retirement Security and Savings Act of 2021; H.R. 2954 - Securing a Strong Retirement Act of 2021; S. 4147 - Financial Freedom Act of 2022; PTE Changes - House; Open Brokerage Window - House; Enhancing American Retirement Now (EARN) Act.

Client expense: $920,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Proposals to modify tax incentives for retirement savings and investment; Taxation of contract modifications associated with transition from LIBOR to alternative reference rates, including SOFR; Proposals to expand bank information reporting requirements; H.R. 328/S. 817 - Wall Street Tax Act of 2021; H.R. 3684 - Infrastructure Investment and Jobs Act; H.R. 5376 - Build Back Better Act; Modernization Derivatives Tax Act; S. 479 - LOCAL Infrastructure Act; H.R. 2288 - To amend the Internal Revenue Code of 1986 to reinstate advance refunding bonds; H.R. 2954 - Securing a Strong Retirement Act of 2021; S. 817/H.R. 328 - Wall Street Tax Act of 2021; S. 1308 - American Infrastructure Bonds Act of 2021; S. 1676 - Rural Broadband Financing Flexibility Act; S. 1770 - Retirement Security and Savings Act of 2021; S. 1443/H.R. 2917 - Retirement Parity for Student Loans Act of 2021; H.R. 2634 - the LIFT Act; H.R. 5376 - Inflation Reduction Act.

Client expense: $920,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Self-Regulatory Organization (SRO) Reform; H.R. 2265 - the Financial Exploitation Prevention Act of 2021; SEC Securities Lending Proposal; H.R. ____ - to amend the Securities Exchange Act of 1934 to add certain requirements for the filing and approval of proposed rule changes by self-regulatory organizations; H.R. ____ - the "Securities Exchange Reform Act of 2022" (Rep Sherman); H.R. 2288 - to amend the Internal Revenue Code of 1986 to reinstate advance refunding bonds; H.R. 2634 - Local Infrastructure Financing Tools Act; S. 1676 - Rural Broadband Financing Flexibility Act; S. 1308 - American Infrastructure Bonds Act of 2021; H.R. 2954 - Securing a Strong Retirement Act of 2021; S. 1770 - Retirement Security and Savings Act of 2021; S. 1443/H.R. 2917 - Retirement Parity for Student Loans Act; H.R. ____ - Capital Markets Transparency Act; H.R. ____ - to amend the Securities Exchange Act of 1934 to establish certain requirements with respect to retail investor options trading; H.R. ____ - to amend the Securities Exchange Act of 1934 to prohibit payment for order flow in the form of exchange rebates; H.R. 4617 - To require the SEC to carry out a study on PFOF, to require the Investor Advocate of the Commission to provide recommendations on PFOF, and for other purposes; H.R. 4618 - the Short Sale Transparency and Market Fairness Act of 2021; H.R. 4619 - to amend the Securities Exchange Act of 1934 to prohibit trading ahead by market makers, and for other purposes; S. 4147 - Financial Freedom Act of 2022; Cyber incident notification issues; S. 1854 and H.R. 6323 - The National Critical Capabilities Defense Act; Electronic delivery of retail investor's SEC-required disclosures.

Client expense: $920,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 2917, Retirement Parity for Student Loans Act of 2021, all provisions S. 1443, Retirement Parity for Student Loans Act of 2021, all provisions H.R. 2954, Securing a Strong Retirement Act of 2022, provisions relating to student loans S. 4330, Specialty Physicians Advancing Rural Care (SPARC) Act, all provisions H.R. 4122, Resident Education Deferred Interest (REDI) Act, all provisions S. 3658, REDI Act, all provisions S. 834, Resident Physician Shortage Reduction Act of 2021, all provisions S. 924, Rural America Health Corps Act, all provisions S. 3799, Prepare for and Respond to Existing Viruses, Emerging New Threats, and (PREVENT) Pandemics Act, provisions relating to student loan forgiveness for frontline workers H.R. 4014, Physician Shortage GME Cap Flex Act of 2021, all provisions S. 2094, Physician Shortage GME Cap Flex Act of 2021, all provisions FY 2023 Labor-HHS Appropriations Act, provisions related to the implementation of Section 126 of the Consolidated Appropriations Act, 2021 H.R. 8850, Fair Access In Residency (FAIR) Act, provisions related to Osteopathic residency issues Public Service Loan Forgiveness (PSLF)

Client expense: $4,360,000 · Firm income: Not reported

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE

H.R. 2079, Eliminating the Provider Relief Fund Tax Penalties Act of 2021, all provisions H.R. 2917, Retirement Parity for Student Loans Act of 2021, all provisions S. 1443, Retirement Parity for Student Loans Act of 2021, all provisions H.R. 7539, Indian Health Service Health Professions Tax Fairness Act of 2022, all provisions S. 2874, Indian Health Service Health Professions Tax Fairness Act of 2022, all provisions Enhancing American Retirement Now (EARN) Act draft, provisions relating to student loan repayment Child Tax Credit

Client expense: $4,360,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbied on Section 179D, the Energy Efficient Commercial Building Tax Deduction in the Inflation Reduction At (P.L. 117-169). Lobbied on Section 25C, the Nonbusiness Energy Property Credit in the Inflation Reduction Act (P.L. 117-169). Lobbied on Section 45L, the Energy Efficient Home Credit in the Inflation Reduction Act (P.L. 117-169). Lobbied on the research and development tax credit. No bill number. Lobbied for the Historic Tax Credit Growth and Opportunity Act of 2021 (H.R. 2294). The bill would amend the Internal Revenue Code of 1986 to modify the rehabilitation credit for certain small projects, to eliminate the requirement that the taxpayer's basis in a building be reduced by amount of the rehabilitation credit determined with respect to such building, and for other purposes. Lobbied in support of the Retirement Parity for Student Loans Act (S. 1443/H.R. 2917). The bill would amend the Internal Revenue Code of 1986 to permit treatment of student loan payments as elective deferrals for purposes of employer matching contributions, and for other purposes. Lobbied for the Stronger, Healthier Environment for Low-Income Tenants and Economic Renewal (S. 1805).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

1.S. 1870/H.R. 7146, the Enhancing Emergency and Retirement Savings Act of 2021: The legislation would provide a penalty-free emergency distribution option from employer-sponsored retirement accounts and IRAs. 2.Portable Retirement and Investment Account Act (PRIA): Creates retirement accounts at birth to help establish lifelong savings/retirement accounts. 3.H.R. 2954, Securing a Strong Retirement Act (SECURE 2.0) / Retirement Security and Savings Act: Comprehensive retirement savings legislation. 4.S. 1272, The SIMPLE Plan Modernization Act: The bill would raise the contribution limit for SIMPLE plans from $13,500 to $16,500 with a corresponding increase in the catch-up limit from $3,000 to $4,750. 5.S. 1770, The Retirement Security & Savings Act: Comprehensive retirement savings legislation. 6.S. 1703, The Improving Access to Retirement Savings Act of 2021: The bill would expand Open Multiple Employer Plans to include 403(b) accounts, create a safe harbor for correcting employee deferrals and make clarifications for small businesses who wish to utilize a credit to offer a retirement plan to their employees. 7.S. 1443, The Retirement Parity for Student Loans Act: Allows employers to make matching contributions to a 401(k)-retirement plan while their employees make student loan repayments. 8. S. 975 / H.R. 2005, the Womens Retirement Security Act of 2021: Addresses the retirement gap and bolsters womens financial security through amending ERISA and increasing financial literacy. 9.S. 2452, the Encouraging Americans to Save Act: Reforms the savers credit, makes the credit refundable, establishes an R-bond program, and amends the deadline to fund an IRA with a tax refund, among other provisions. 10. H.R. 5891, The Retirement Improvement and Saving Enhancement (RISE) Act: Contains several retirement security provisions, also included within H.R. 2459 (SSRA). Also requires DOL, the Department of the Treasury, and the Pension Benefit Guaranty Corporation (PBGC) to review reporting and disclosure requirements for pension plans and make recommendations to Congress to consolidate, simplify, standardize, and improve such requirements. 11. Audit Consolidation Act and the Simplifying Retirement Act: Allows group plans to file a single Form 5500 for the entire retirement plan, ensures small employers are not burdened with administrative complexities. Allows pooled employer providers who manage PEPs to utilize Discretionary or Directed Trustees to manage assets and collect contributions would help to contain costs and make plan easier to manage for the small employers who choose to participate. 12.H.R. 6746, Lifetime Income for Employees (LIFE) Act of 2022: Amends the current rules for qualified default investment alternatives to facilitate the use of an annuity component will expand the availability of guaranteed returns and guaranteed lifetime income that help savers secure their retirement futures. 13.The Enhancing American Retirement Now (EARN) Act: Builds upon S. 1770 with additional retirement provisions. Considered the Senate version of SECURE 2.0. 14.The Rise and Shine Act: SENATE HELP provisions covered by ERISA to be included with a Senate retirement package (SECURE 2.0). 15. S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts. 16. S.4103, Helping Parents Save for College Act of 2022: Would make two important changes to the way 529 college savings accounts are designed to increase utilization. 17. S.4087, INFORM Act: would require plan sponsors to provide participants and beneficiaries with the critical information that would allow them to make an informed decision when presented with such a lump-sum offer. The INFORM Act also would require a notice to affected participants and beneficiaries 90 days before the period in which they must make a decision. The INFORM Act would further require disclosure to the Department of Labor, so information can be collected on these practices. 18. S.3993, the Savings Access for Escaping and Rebuilding Act (SAFER) Act: A bill to amend the Internal Revenue Code of 1986 to allow penalty-free withdrawals from retirement plans for domestic abuse victims. 19. S.1273, the Military Spouses Retirement Security Act: Would allow military spouses to vest earlier and provide incentives for employers. 20.American Worker Savings and Wealth Creation Plan Act: Would create a TSP type government-run retirement program. Income Security The Enhancing American Retirement Now (EARN) Act: Builds upon S. 1770 with additional retirement provisions. Considered the Senate version of SECURE 2.0. S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts. H.R. 133, Both provisions are in the larger bill. 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. Concurrent Resolution on the Budget, FY2022, S.Con.Res.14. The budget resolution calls for the $3.5 trillion in long-term investments to be fully offset by a combination of new tax revenues, health care savings, and long-term economic growth. In addition, the agreement would prohibit new taxes on families making less than $400,000 per year, and on small businesses and family farms. Issue: Medicare/Dental (Expanding Medicare to include dental, vision, hearing benefits and lowering the eligibility age). H.R. 5376- Build Back Better Act this bill provides funding, establishes programs, and otherwise modifies provisions relating to a broad array of areas, including education, labor, child-care, health care, taxes, immigration, and the environment. 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.

Client expense: $792,515 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation and rulemaking affecting annuities, variable life products and retirement savings including Biden Administration and Congressional proposals on tax reform. DOL - EBSA - Cybersecurity Guidance for Plan Sponsors, Fiduciaries, Record Keepers and Participants. DOL - EBSA - PTE 2020-02 - Improving Investment Advice for Workers & Retirees. DOL - EBSA - Financial Factors in Selecting Plan Investments - ZRIN 1210-AB95. DOL - EBSA - Improving Investment Advice for Workers and Retirees - ZRIN 1210-ZA29. DOL - EBSA - Pension Benefit Statements-Lifetime Income Illustrations - RIN 1210-AB20. DOL - EBSA - Fiduciary Duties Regarding Proxy Voting and Shareholder Rights - RIN 1210-AB91. DOL - OSEC - Rescission of Department of Labor Rule on Guidance (29 CFR Part 89 - RIN 1290-AA41). DOL - EBSA - Amendment to and Partial Revocation of Prohibited Transaction Exemption (PTE) 84-24 for Certain Transactions Involving Insurance Agents and Brokers, Pension Consultants, Insurance Companies, and Investment Company Principal Underwriters. DOL - EBSA - Definition of the Term Fiduciary - RIN 1210-AC02. DOL - EBSA - Prudence and Loyalty in Selecting Plan Investments and Exercising Shareholder Rights - RIN 1210-AC03/29 CFR 2550. DOL - EBSA - RFI on Possible Agency Actions to Protect Life Savings and Pensions from Threat of Climate-Related Financial Risk - RIN 1210-ZA30. DOL - EBSA - Compliance Assistance Release 2022-01 to 401(k) Plan Fiduciaries on Use of Cryptocurrencies - March 10, 2022. DOL - EBSA - Proposed Rule to Amend Procedures Governing the Filing and Processing of Prohibited Transaction Exemption (PTE) Applications - RIN 1210-ACO5. EOP - Executive Order on Climate-Related Financial Risk. EOP - Amending Executive Order 13959 - Addressing the Threat from Securities Investments That Finance Communist Chinese Military Companies (E.O. 13974 of Jan 13, 2021 - 86 FR 4875). EOP - Executive Order 13990 - Protecting Public Health and the Environment and Restoring Science to Tackle the Climate Crisis (Federal Register/Vol. 86, No. 14 - Monday, January 25, 2021). FINRA - Comment on Lessons From the COVID-19 Pandemic (Regulatory Notice 20-42). FINRA - Request for Comment on Effective Practices and rule Enhancements for Sales Practice Obligations for Complex Products and Options (Regulatory Notice 22-08). Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions. Proposals at the Department of Labor for increasing Americans' access to guaranteed lifetime income solutions. The Application of ERISA to Insurance Company General Accounts and General Account Contracts (H.R. 7278 - 115th Congress). The Lifetime Income for Employees Act (H.R. 6746 - 117th Congress). DOL implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). Treasury/IRS implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC - Implementation and Enforcement of Regulation BI and Form CRS. SEC implementation of Division O of the Further Consolidated Appropriations Act 2020 (Public Law No: 116-94). SEC - Reporting Threshold for Institutional Investment Managers - RIN 3235-AM65. SEC - Request for Information and Comments on Broker-Dealer and Investment Adviser Digital Engagement Practices, Related Tools and Methods, and Regulatory Considerations and Potential Approaches; Information and Comments on Investment Adviser Use of Technology to Develop and Provide Investment Advice - RIN 3235-AN00 (Release Nos. 34-92766; IA-5833; File No. S7-10-21). SEC - FINRA - Proposed Rule Change to Amend FINRA Rule 2231 (Customer Account Statements) - SR-FINRA-2021-024. SEC - FINRA - Proposed Rule Change to Extend the Effectiveness of Temporary FINRA Rule 3110.17 - SR-FINRA-2021-023. SEC - Staff Bulletin: Standards of Conduct for Broker-Dealers and Investment Advisers Account Recommendations for Retail Investors - March 29, 2022. SEC - Proposed Rule Enhancement and Standardization of Climate-Related Disclosures for Investors (17 CFR 210, 229, 232, 239, and 249, RIN 3235-AM87). The American Infrastructure Bonds Act (S.1308 - 117th Congress). The Financial Factors in Selecting Retirement Plan Investment Act (S.1762/H.R. 3387-117th Congress). The Improving Access to Retirement Savings Act of 2021 (S.1703 - 117th Congress). The INVEST in America Act (H.R. 3684 - 117th Congress). The Local Infrastructure Financing Tools (LIFT) Act (HR 2634 - 117th Congress). The Protecting the Right to Organize (PRO) Act (S. 420/H.R. 842-117th Congress). The Retirement Parity for Student Loans Act (S.1443/HR 2917 - 117th Congress). The Retirement Savings Lost and Found Act (S.1730 - 117th Congress). The Retirement Security and Savings Act of 2021 (S.1770 - 117th Congress). The Secure and Fair Enforcement (SAFE) Banking Act (S.910/H.R. 1996-117th Congress). The Securing a Strong Retirement Act (H.R.2954 - 117th Congress). The Securing and Enabling Commerce Using Remote and Electronic Notarization Act (S.1625/H.R. 3962 - 117th Congress). Womens Retirement Protection Act (S.2446/H.R. 4678 - 117th Congress). The Empowering States to Protect Seniors from Bad Actors Act (H.R. 5914 - 117th Congress). The Retirement Improvement and Savings Enhancement (RISE) Act (H.R. 5891 - 117th Congress). The Registration for Index-Linked Annuities (RILA) Act (S.3198/H.R. 4865 - 117th Congress). The Automatic Reenroll Act (S.3712/H.R. 6782 -117th Congress). The E-SIGN Modernization Act of 2022 (S.3715 - 117th Congress). The Lifetime Income for Employees Act (H.R. 6746 - 117th Congress). The Retirement Improvement and Savings Enhancement to Supplement Healthy Investments for the Nest Egg (RISE & SHINE) Act (S.4353 - 117th Congress). The Protecting Americas Retirement Security Act (H.R.7310 - 117th Congress). The Primary Regulators of Insurance Vote Act (S.4110/H.R.3099 - 117th Congress). The American Data Privacy and Protection Act (H.R.8152 - 117th Congress). The Employee and Retiree Access to Justice Act (S.4129/H.R.7740 - 117th Congress). The Enhancing American Retirement Now (EARN) Act (S.4808 - 117th Congress).

Client expense: $150,000 · Firm income: Not reported

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

Lobbied on Section 179D, the Energy Efficient Commercial Building Tax Deduction in the Inflation Reduction Act (P.L. 117-169). Lobbied on Section 25C, the Nonbusiness Energy Property Credit in the Inflation Reduction Act (P.L. 117-169). Lobbied on Section 45L, the Energy Efficient Home Credit in the Inflation Reduction Act (P.L. 117-169). Lobbied on the research and development tax credit. No bill number. Lobbied for the Historic Tax Credit Growth and Opportunity Act of 2021 (H.R. 2294). The bill would amend the Internal Revenue Code of 1986 to modify the rehabilitation credit for certain small projects, to eliminate the requirement that the taxpayer's basis in a building be reduced by amount of the rehabilitation credit determined with respect to such building, and for other purposes. Lobbied in support of the Retirement Parity for Student Loans Act. (S. 1443/H.R. 2917). The bill would amend the Internal Revenue Code of 1986 to permit treatment of student loan payments as elective deferrals for purposes of employer matching contributions, and for other purposes. Lobbied for the Stronger, Healthier Environment for Low-Income Tenants and Economic Renewal(H.R. 3925/S. 1805).

Client expense: $240,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Lobbied on Section 179D, the Energy Efficient Commercial Building Tax Deduction in the Inflation Reduction Act (P.L. 117-169). Lobbied on Section 25C, the Nonbusiness Energy Property Credit in the Inflation Reduction Act (P.L. 117-169). Lobbied on Section 45L, the Energy Efficient Home Credit in the Inflation Reduction Act (P.L. 117-169). Lobbied on the research and development tax credit. No bill number. Lobbied for the Historic Tax Credit Growth and Opportunity Act of 2021 (H.R. 2294). The bill would amend the Internal Revenue Code of 1986 to modify the rehabilitation credit for certain small projects, to eliminate the requirement that the taxpayer's basis in a building be reduced by amount of the rehabilitation credit determined with respect to such building, and for other purposes. Lobbied in support of the Retirement Parity for Student Loans Act. (S. 1443/H.R. 2917). The bill would amend the Internal Revenue Code of 1986 to permit treatment of student loan payments as elective deferrals for purposes of employer matching contributions, and for other purposes. Lobbied for the Stronger, Healthier Environment for Low-Income Tenants and Economic Renewal(H.R. 3925/S. 1805).

Client expense: $240,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Policy issues related to student loans and the federal response to the COVID-19 virus, including the student loan payment and interest moratorium and other college affordability and student loan proposals, including the Retirement Parity for Student Loans Act (H.R. 2917/S. 1443) and the FRESH START Through Bankruptcy Act (S. 2598), and issues related to new student loan program regulations.

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

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

Support S.1443 and H.R.2917, Retirement Parity for Student Loans Act of 2021. Support H.R.2954 Secure a Strong Retirement Act and S.1770 Retirement Savings and Security to promote the adoption of employer sponsored retirement savings plans and employee participation in such plans. Support S. 4353, RISE & SHINE Act (retirement). Support S. 4808 Enhancing American Retirement Now (EARN) Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Work to keep insurance regulated by the states and not by the Consumer Financial Protection Bureau or set by international bodies. Oppose legislation to repeal the McCarran-Ferguson antitrust exemption for the business of insurance. Advocate for privacy measures in line with GLBA and HIPAA as applied to financial services. Support H.R. 8152 American Data Privacy & Protection Act. Support HFSC Ranking Member Patrick McHenry's Data Privacy Discussion Draft. Oppose legislation to provide retroactive pandemic business interruption insurance. Support legislation of e-signatures, e-disclosures, and e-notarizations, including S. 3715 E-Sign Modernization Act. Support H.R.3962 and S.1625, SECURE Notarization Act of 2021. Support H.R. 4350/S. 2792, NDAA for FY 2022 - includes both SAFE Banking and SECURE Notarization Act. Support increased CDFI and MDI funding in President's FY 2023 Budget Proposal and House Appropriations FSSC bill. Support "Build America Bonds" for infrastructure. Support S.1443 and H.R.2917, Retirement Parity for Student Loans Act of 2021. Support H.R.1996/H.R. 7900/S.910 Secure and Fair Enforcement Banking SAFE Act - This bill generally prohibits a federal regulator from penalizing a financial institution for providing services to a legitimate cannabis-related business. Support H.R.2954 Secure a Strong Retirement Act and S.1770 Retirement Savings and Security to promote the adoption of employer sponsored retirement savings plans and employee participation in such plans. Support S. 4353 RISE & SHINE Act (retirement). Support S4808 SFC Enhancing American Retirement Now (EARN) Act Discussion Draft. Support life insurance tax stabilization provision and 2022 Budget Reconciliation to Build Back Better. Support Expanding Financial Access for Underserved Communities Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Work to keep insurance regulated by the states and not by the Consumer Financial Protection Bureau or set by international bodies. Oppose legislation to repeal the McCarran-Ferguson antitrust exemption for the business of insurance. Advocate for privacy measures in line with GLBA and HIPAA as applied to financial services. Support H.R. 8152 American Data Privacy & Protection Act. Support HFSC Ranking Member Patrick McHenry's Data Privacy Discussion Draft. Oppose legislation to provide retroactive pandemic business interruption insurance. Support legislation of e-signatures, e-disclosures, and e-notarizations, including S. 3715 E-Sign Modernization Act. Support H.R.3962 and S.1625 SECURE Notarization Act of 2021. Support H.R. 4350/H.R. 7900/S. 2792, NDAA for FY 2022 - includes both SAFE Banking and SECURE Notarization Act. Support increased CDFI and MDI funding in President's FY 2023 Budget Proposal and House Appropriations FSSC Bill. Support "Build America Bonds" for infrastructure. Support S.1443 and H.R.2917, Retirement Parity for Student Loans Act of 2021. Support H.R.1996/S.910 Secure and Fair Enforcement Banking SAFE Act - This bill generally prohibits a federal regulator from penalizing a financial institution for providing services to a legitimate cannabis-related business. Support H.R. 2954 Secure a Strong Retirement Act and S. 1770 Retirement Savings and Security to promote the adoption of employer sponsored retirement savings plans and employee participation in such plans. Support S. 4353 RISE & SHINE Act (retirement). Support S. 4808 SFC Enhancing American Retirement Now (EARN) Act Discussion Draft. Support Expanding Financial Access for Underserved Communities Act. Support life insurance tax stabilization provision and 2022 Budget Reconciliation to Build Back Better. Oppose H.R. 8874/S. 4674 Credit Card Competition Act of 2022.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitor SEC's Regulation Best Interest Regarding the Department of Labors Financial Factors in Selecting Plan Investments, support changes to prevent the Department from requiring plan fiduciaries to select investments based solely on pecuniary factors and prohibiting consideration of Environmental, Societal, and Governmental factors. (No specific bills.) H.R. 2954, the Securing a Strong Retirement Act of 2021. S.1443, The Retirement Parity for Student Loans Act. H.R.4865, the Registration for Index-Linked Annuities Act. S.3198, the Registration for Index-Linked Annuities Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Retirement Security as in the following bills: - Retirement Security and Savings Act (S. 1770) - Retirement Parity for Student Loans Act (H.R. 2917 & S. 1443) - The Setting Every Community Up for Retirement Enhancement Act (H.R. 1994) - Securing a Strong Retirement Act (H.R. 2954) - Lifetime Income for Employees Act (H.R. 6746) - Expanding Access to Retirement Savings for Family Caregivers Act (H.R. 3644) - Enhancing Emergency and Retirement Savings Act (S. 1870 / H.R. 7146) - Retirement Improvement and Savings Enhancement RISE & SHINE Act (HR 5891, S. 4353). - Enhancing American Retirement Now (EARN) Act Access to Lifetime Income Option on Retirement Plan Menus 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 Preserving Tax-Deferred Treatment of Defined Contribution Plans Preserving the Structure of the Defined Contribution System (Retirement Plan Consolidation) Qualified Default Investment Alternatives (QDIA) Portability of Annuities in Defined Contribution Plans Multiple Employer Plans Student Loans Remote Notarization General Account Products ESG Investments Emergency Savings

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

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

Student Loans -American Rescue Plan (H.R. 1319) -Retirement Parity for Student Loans Act (H.R. 2917 & S. 1443) Remote Notarization -SECURE Notarization Act (H.R. 3962/S. 1625) Emergency Savings -Enhancing Emergency and Retirement Savings Act (S. 1870 / H.R. 7146) Inflation Reduction Act (HR 5376)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 1319 - American Rescue Plan Act of 2021 H.R. 2796 - Family Attribution Modernization Act H.R. 2917 - Retirement Parity for Student Loans Act of 2021 H.R. 2927 - SAVE Act of 2021 H.R. 2954 - Securing a Strong Retirement Act of 2022 H.R. 3387 - Financial Factors in Selecting Retirement Plan Investments Act H.R. 5376 - Build Back Better Act H.R. 5832 - Retirement Savings Lost and Found Act of 2021 H.R. 5891 - Retirement Improvement and Savings Enhancement (RISE) Act H.R. 6241 - Disaster Retirement Savings Act H.R. 6782 - Auto Reenroll Act of 2022 H.R. 7146 - Enhancing Emergency and Retirement Savings Act of 2022 H.R. 7310 - Protecting Americas Retirement Security Act H.R. 8125 - Starter-K Act of 2022 S. 1272 - SIMPLE Plan Modernization Act S. 1443 - Retirement Parity for Student Loans Act S. 1703 - Improving Access to Retirement Savings Act S. 1730 - Retirement Savings Lost and Found Act of 2021 S. 1762 - Financial Factors in Selecting Retirement Plan Investments Act S. 1770 - Retirement Security and Savings Act of 2021 S. 1870 - Enhancing Emergency and Retirement Savings Act of 2021 S. 2583 - Disaster Retirement Savings Act S. 3712 - Auto Reenroll Act of 2022 S. 3955 - Starter-K Act of 2022 S. 4086 - Increasing Small Business Retirement Choices Act S. 4353 - RISE & SHINE Act S. 4808 - EARN Act

Client expense: $353,041 · Firm income: Not reported

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

s. 1770, Retirement Savings and Security Act - promote employer sponsorship of retirement savings plans and employees participation in plans H.R. 2954, Secure a Strong Retirement Act - promote employer sponsorship of retirement savings plans and employees participation in plans H.R. 2917/S. 1443, Retirement Parity for Student Loans Act - allow employers to make matching contributions to a 401(k) plan while their employees make student loan payments 2022 Budget Reconciliation to Build Back Better - retirement security provisions S.1870/H.R. 7146 - Enhancing Emergency and Retirement Savings Act - withdrawal from retirement account for emergency expenses S. 2061 - Strengthening Financial Security Through Short-Term Savings Accounts - withdrawal from retirement account for emergency expenses S. 4353 - RISE & SHINE Act - wholistic retirement security bill to increase retirement plan adaption, employee participation, and facilitation of lifetime time options. S. 4808- EARN Act - wholistic retirement security bill to increase retirement plan adaption, employee participation, and facilitation of lifetime time options. DOL Fiduciary Rule - build awareness of issues associated with anticipated new rule by Department of Labor revising current standard for advisors to give investment advice

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Potential legislative proposals to assist student loan borrowers, including forbearance and repayment assistance, S.1443 and H.R.2917, the "Retirement Parity for Student Loans Act of 2021," and H.R.2954, the "Securing a Strong Retirement Act of 2021."

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Potential legislative proposals to assist student loan borrowers, including forbearance and repayment assistance, S.1443 and H.R.2917, the "Retirement Parity for Student Loans Act of 2021," and H.R.2954, the "Securing a Strong Retirement Act of 2021."

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1.S. 1870/H.R. 7146, the Enhancing Emergency and Retirement Savings Act of 2021: The legislation would provide a penalty-free emergency distribution option from employer-sponsored retirement accounts and IRAs. 2.Portable Retirement and Investment Account Act (PRIA): Creates retirement accounts at birth to help establish lifelong savings/retirement accounts. 3.H.R. 2954, Securing a Strong Retirement Act (SECURE 2.0) / Retirement Security and Savings Act: Comprehensive retirement savings legislation. 4.S. 1272, The SIMPLE Plan Modernization Act: The bill would raise the contribution limit for SIMPLE plans from $13,500 to $16,500 with a corresponding increase in the catch-up limit from $3,000 to $4,750. 5.S. 1770, The Retirement Security & Savings Act: Comprehensive retirement savings legislation. 6.S. 1703, The Improving Access to Retirement Savings Act of 2021: The bill would expand Open Multiple Employer Plans to include 403(b) accounts, create a safe harbor for correcting employee deferrals and make clarifications for small businesses who wish to utilize a credit to offer a retirement plan to their employees. 7.S. 1443, The Retirement Parity for Student Loans Act: Allows employers to make matching contributions to a 401(k) retirement plan while their employees make student loan repayments. 8. S. 975 / H.R. 2005, the Womens Retirement Security Act of 2021: Addresses the retirement gap and bolsters womens financial security through amending ERISA and increasing financial literacy. 9.S. 2452, the Encouraging Americans to Save Act: Reforms the savers credit, makes the credit refundable, establishes an R-bond program, and amends the deadline to fund an IRA with a tax refund, among other provisions. 10. H.R. 5891, The Retirement Improvement and Saving Enhancement (RISE) Act: Contains several retirement security provisions, also included within H.R. 2459 (SSRA). Also requires DOL, the Department of the Treasury, and the Pension Benefit Guaranty Corporation (PBGC) to review reporting and disclosure requirements for pension plans and make recommendations to Congress to consolidate, simplify, standardize, and improve such requirements. 11. Audit Consolidation Act and the Simplifying Retirement Act: Allows group plans to file a single Form 5500 for the entire retirement plan, ensures small employers are not burdened with administrative complexities. Allows pooled employer providers who manage PEPs to utilize Discretionary or Directed Trustees to manage assets and collect contributions would help to contain costs and make plan easier to manage for the small employers who choose to participate. 12.H.R. 6746, Lifetime Income for Employees (LIFE) Act of 2022: Amends the current rules for qualified default investment alternatives to facilitate the use of an annuity component will expand the availability of guaranteed returns and guaranteed lifetime income that help savers secure their retirement futures. 13.The Enhancing American Retirement Now (EARN) Act: Builds upon S. 1770 with additional retirement provisions. Considered the Senate version of SECURE 2.0. 14.The Rise and Shine Act: SENATE HELP provisions covered by ERISA to be included with a Senate retirement package (SECURE 2.0). 15. S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts. 16. S.4103, Helping Parents Save for College Act of 2022: Would make two important changes to the way 529 college savings accounts are designed to increase utilization. 17. S.4087, INFORM Act: would require plan sponsors to provide participants and beneficiaries with the critical information that would allow them to make an informed decision when presented with such a lump-sum offer. The INFORM Act also would require a notice to affected participants and beneficiaries 90 days before the period in which they must make a decision. The INFORM Act would further require disclosure to the Department of Labor, so information can be collected on these practices. 18. S.3993, the Savings Access for Escaping and Rebuilding Act (SAFER) Act: A bill to amend the Internal Revenue Code of 1986 to allow penalty-free withdrawals from retirement plans for domestic abuse victims. 19. S.1273, the Military Spouses Retirement Security Act: Would allow military spouses to vest earlier and provide incentives for employers. Income Security The Enhancing American Retirement Now (EARN) Act: Builds upon S. 1770 with additional retirement provisions. Considered the Senate version of SECURE 2.0. S. 2415 and H.R. 7107, the Long-Term Care Affordability Act: Would allow for tax free distributions from retirement accounts to fund LTC contracts. H.R. 133, Both provisions are in the larger bill. 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. Concurrent Resolution on the Budget, FY2022, S.Con.Res.14. The budget resolution calls for the $3.5 trillion in long-term investments to be fully offset by a combination of new tax revenues, health care savings, and long-term economic growth. In addition, the agreement would prohibit new taxes on families making less than $400,000 per year, and on small businesses and family farms. Issue: Medicare/Dental (Expanding Medicare to include dental, vision, hearing benefits and lowering the eligibility age). H.R. 5376- Build Back Better Act this bill provides funding, establishes programs, and otherwise modifies provisions relating to a broad array of areas, including education, labor, child-care, health care, taxes, immigration, and the environment. 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.

Client expense: $743,405 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Equity market structure issues; Self-Regulatory Organization (SRO) Reform; SEC Rule 15c2-11; H.R. 2265 - the Financial Exploitation Prevention Act of 2021; SEC Securities Lending Proposal; H.R. ____ - to amend the Securities Exchange Act of 1934 to add certain requirements for the filing and approval of proposed rule changes by self-regulatory organizations; H.R. ____ - the "Securities Exchange Reform Act of 2022" (Rep Sherman); SEC short comment periods; H.R. 2288 - to amend the Internal Revenue Code of 1986 to reinstate advance refunding bonds; H.R. 2634 - Local Infrastructure Financing Tools Act; S. 1676 - Rural Broadband Financing Flexibility Act; S. 1308 - American Infrastructure Bonds Act of 2021; H.R. 2954 - Securing a Strong Retirement Act of 2021; S. 1770 - Retirement Security and Savings Act of 2021; S. 1443/H.R. 2917 - Retirement Parity for Student Loans Act; H.R. ____ - Capital Markets Transparency Act; H.R. ____ - to amend the Securities Exchange Act of 1934 to establish certain requirements with respect to retail investor options trading; H.R. ____ - to amend the Securities Exchange Act of 1934 to prohibit payment for order flow in the form of exchange rebates; H.R. 4617 - To require the SEC to carry out a study on PFOF, to require the Investor Advocate of the Commission to provide recommendations on PFOF, and for other purposes; H.R. 4618 - the Short Sale Transparency and Market Fairness Act of 2021; H.R. 4619 - to amend the Securities Exchange Act of 1934 to prohibit trading ahead by market makers, and for other purposes; SEC Staff Accounting Bulletin 121 - SEC, House & Senate; S. 4147 - Financial Freedom Act of 2022.

Client expense: $1,860,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Tax incentives for retirement savings; Electronic delivery of retirement plan documents and disclosures; ESG Investing relating to retirement accounts; S. 1443/H.R. 2917 - Retirement Parity for Student Loans Act of 2021; S. 1770 - Retirement Security and Savings Act of 2021; H.R. 2954 - Securing a Strong Retirement Act of 2021; S. 4147 - Financial Freedom Act of 2022; DOL Independent Contractor - House; PTE Changes - House; Open Brokerage Window - House.

Client expense: $1,860,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Proposals to modify tax incentives for retirement savings and investment; Taxation of contract modifications associated with transition from LIBOR to alternative reference rates, including SOFR; Proposals to expand bank information reporting requirements; H.R. 328/S. 817 - Wall Street Tax Act of 2021; H.R. 3684 - Infrastructure Investment and Jobs Act; H.R. 5376 - Build Back Better Act; Modernization Derivatives Tax Act; S. 479 - LOCAL Infrastructure Act; H.R. 2288 - To amend the Internal Revenue Code of 1986 to reinstate advance refunding bonds; H.R. 2954 - Securing a Strong Retirement Act of 2021; S. 817/H.R. 328 - Wall Street Tax Act of 2021; S. 1308 - American Infrastructure Bonds Act of 2021; S. 1676 - Rural Broadband Financing Flexibility Act; S. 1770 - Retirement Security and Savings Act of 2021; S. 1443/H.R. 2917 - Retirement Parity for Student Loans Act of 2021.

Client expense: $1,860,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

S. 4330, Specialty Physicians Advancing Rural Care (SPARC) Act, all provisions H.R. 2954, Securing a Strong Retirement (SECURE 2.0) Act of 2022, all provisions H.R. 2917, Retirement Parity for Student Loans Act of 2021, all provisions S. 1443, Retirement Parity for Student Loans Act, all provisions H.R. 5602, Bolstering Infectious Outbreaks (BIO) Preparedness Workforce Act of 2021, all provisions S. 3244, Bolstering Infectious Outbreaks (BIO) Preparedness Workforce Act of 2021, all provisions H.R. 4122, Resident Education Deferred Interest (REDI) Act, all provisions S. 3685, Resident Education Deferred Interest (REDI) Act, all provisions S. 924, Rural America Health Corps Act, all provisions H.R. 4521, America COMPETES Act of 2022, provisions relating to Doctoral STEM Programs H.R. 944, To amend the Public Health Service Act to authorize a loan repayment program to encourage specialty medicine physicians to serve in rural communities experiencing a shortage of specialty medicine physicians, and for other purposes, all provisions H. Res. 784, Expressing the sense of the House of Representatives that the United States recognizes the mounting personal and financial burden of diet-related disease in the United States and calls on medical schools, graduate medical education programs, and other health professional training programs to provide meaningful physician and health professional education on nutrition and diet, all provisions H.R. 6397, Medical Student Education Authorization Act of 2022, all provisions S. 3497, Medical Student Education Authorization Act of 2022, all provisions H.R. 7383, Improving Access to Health Care in Rural and Underserved Areas Act, all provisions S. 201, Improving Access to Health Care in Rural and Underserved Areas Act, all provisions H.R. 7539, Indian Health Service Health Professions Tax Fairness Act of 2022, provisions relating to student loan repayment S. 2874, Indian Health Service Health Professions Tax Fairness Act of 2021, provisions relating to student loan repayment Enhancing American Retirement Now (EARN) Act, provisions relating to student loan repayment Frontline workers/student loan forgiveness Student Loan Forgiveness Foreign Medical School Accountability Act draft Osteopathic residency program discrimination

Client expense: $4,550,000 · Firm income: Not reported

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, SENATE

Retirement Security as in the following bills: - Retirement Security and Savings Act (S. 1770) - Retirement Parity for Student Loans Act (H.R. 2917 & S. 1443) - The Setting Every Community Up for Retirement Enhancement Act (H.R. 1994) - Securing a Strong Retirement Act (H.R. 2954) - Lifetime Income for Employees Act (H.R. 6746) - Expanding Access to Retirement Savings for Family Caregivers Act (H.R. 3644) - Enhancing Emergency and Retirement Savings Act (S. 1870 / H.R. 7146) - Financial Factors in Selecting Retirement Plan Investments Act (S. 1762/ H.R. 3387) - Womens Pension Protection Act (S. 2446) - Retirement Improvement and Savings Enhancement Act (H.R. 5891) - RISE & SHINE Act (S. 4353) - Enhancing American Retirement Now (EARN) Act 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 Preserving Tax-Deferred Treatment of Defined Contribution Plans Preserving the Structure of the Defined Contribution System (Retirement Plan Consolidation) Qualified Default Investment Alternatives (QDIA) Portability of Annuities in Defined Contribution Plans Multiple Employer Plans Student Loans Remote Notarization General Account Products ESG Investments Proxy Voting Emergency Savings

Client expense: $620,000 · Firm income: Not reported

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

Student Loans - American Rescue Plan (H.R. 1319) - Retirement Parity for Student Loans Act (H.R. 2917 & S. 1443) Remote Notarization - SECURE Notarization Act (H.R. 3962/S. 1625) 7702/Ordinary Tax Treatment for Bonds Emergency Savings - Enhancing Emergency and Retirement Savings Act (S. 1870 / H.R. 7146) Build Back Better Act (HR 5376)

Client expense: $620,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of