MICHAEL HEDGE

Issues related to IRA and pension reform. Issues related to investment advice in connection with retirement products. Issues related to individuals and business investing in retirement vehicles, plan funding limits, participation and disclosure rules, exemptions, employer and plan sponsor duties, and safe harbors.

Issues related to agent compensation. Issues related to the implementation of the Patient Protection and Affordable Care Act. Issues related to HSA/FSA reform. Issues related to the McCarran Ferguson antitrust exemption. Issues with respect to the small employer health care insurance tax. Issues relating to the establishment and governance of association health plans (AHPs). Issues related to short-term limited duration insurance.

Issues related to insurance regulatory reform and agent compensation. Issues related to the implementation of the Patient Protection and Affordable Care Act. Issues related to short-term limited duration insurance. Issues related to terrorism risk insurance. Issues related to flood risk insurance. Issues related to regulation of insurance competition, products with guarantees, individual and employer owned policies, and fiduciary client relationships.

Issues related to the implementation of the Dodd-Frank Wall Street Reform Act 2010. Issues related to the regulation of securities products, including the conduct, compensation and use of the title "advisor.adviser" by those who sell them. Issues related to the regulation of certain employee benefit plan/sponsors/participants and IRA holders under ERISA. Issues related to investment advice provided by municipal advisors. Issues related to consumer compensation in instances of investment fraud. Issues related to the disclosure of potential examples of financial exploitation of senior citizens.

Issues related to the tax treatment of financial products such as life insurance, annuities, retirement savings plans, employer provided qualified and non-qualified benefit programs, health insurance and compensation received through section 199A of the IRC.

Issues relating to the process and protocol of the federal regulatory system.

NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS

NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS

NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS

NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS

NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS