Podcasts about savings act

Moore introduces Advance Health Savings Act -- LDS Church spokesperson elaborates on Tim Ballard rebuke  

Welcome to the Badass Babes of Entertainment! On our fifteenth episode of season 2, we interviewed Michele Hanisee has been a Deputy District Attorney for the County of Los Angeles for 22 years.  She has tried over 100 jury trials including 44 murders.  She spent five years in the Hardcore Gang Division and the past ten years in the Major Crimes Division.  She is author of the “California Gang Crimes Manual.”   She co-authored Proposition 66, the Death Penalty Reform and Savings Act of 2016, which was enacted by the voters.  She is currently the President of the Association of Deputy District Attorneys, which represents nearly 900 Los Angeles Deputy District Attorneys.As a quick bonus we interviewed several great guests at a local event called “Meet in Malibu”; where Brenda Fisher was joined by Badass co-Host Terra Newell, who took down Con man Dirty John. This week we included our chats with Brittany Brown and Erin Hill. Enjoy the bonus chats with these Badass Babes. ABOUT THE PODCAST: Brenda Fisher and Meghan Ketz of Badass Babes of Entertainment bring you all the guest interviews, casting tips, and industry news in one captivating podcast. Brought to you this week by Roasted Luxury and Rogue Matter - Download the app  ►Join the Movement.Sponsored by: https://roastedluxury.com/  Promo Code BABES15 for a discount on your entire order!▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Listen to the podcast in audio form on every major podcasting app.▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Spotify ► https://open.spotify.com/show/2VRABRKopxehGDfiymXFwOApple ► https://podcasts.apple.com/us/podcast/badass-babes-of-entertainment/id1547723790Google Podcasts ► https://tinyurl.com/4s3v9zksiHeart ► https://iheart.com/podcast/98566932⇩ Follow the Rogue Matter network ⇩Website ► https://www.roguematter.com/Twitter ► https://twitter.com/rogue_matterFacebook ► https://www.facebook.com/weareroguematterSoundcloud ► https://soundcloud.com/roguematterYouTube ► https://youtube.com/roguematter Twitch ► https://twitch.tv/weareroguematter▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Brittany Brown's Social:
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In this episode, Emily interviews Abigail Dove, a PhD student at Johns Hopkins. Abby spent last summer as a science policy fellow at the Federation of American Societies for Experimental Biology (FASEB). Her major policy accomplishment during her internship was to secure FASEB's endorsement of the Graduate Student Savings Act of 2019 (GSSA), a bill that has been proposed in both chambers of Congress. Graduate students and postdocs are not currently permitted to contribute their non-W-2 income, which typically comes from fellowships and training grants, to Individual Retirement Arrangements (IRAs). The GSSA would allow this type of income to be contributed and have a very beneficial effect on the PhD trainee workforce. Abby explains her role in shepherding the GSSA endorsement through FASEB, what the GSSA would do for graduate students and postdocs, and how the GSSA relates to the SECURE Act, another bill that has passed the House and is before the Senate.

Is there a retirement crisis in the United States, and what role does the government have in improving the system? What's the current status of a fiduciary standard for financial advice?  Aron Szapiro, Morningstar's director of policy research and our guest for The Long View podcast, obsesses over these topics. In his role, he and his team conduct research on various matters of public policy and formulate views on policy proposals under consideration by Congress and regulatory bodies. Szapiro has testified before Congress, and he has an inside view of how Washington works: Before venturing into the private sector, he was a senior analyst in the U.S. Government Accountability Office, and he also worked for the New Jersey state legislature.  In this wide-ranging interview, Szapiro defines Morningstar's approach to policy research and homes in on some of the policy matters dominating our discourse today: whether financial advisors should be held to a fiduciary standard, how the U.S. retirement system might be improved, and whether meaningful retirement legislation can make it through partisan gridlock in Washington.  This conversation was recorded on April 30, 2019. Since then, the House passed the SECURE Act (on May 23); that legislation has provisions related to annuities in 401(k) plans, multiple employer plans, and required minimum distributions. As of June 11, 2019, the provisions have not passed the Senate. And the Securities and Exchange Commission approved a final version of Regulation Best Interest, which aims to hold broker/dealers to a higher standard of care than was previously required. Show Notes and References Background and Professional Development Szapiro's trajectory into policy research: "It was this arcane language that I wanted to understand." (1:15-2:39) • 10 Millennials Making Their Mark on Washington and Beyond  Policy Research What policy means at Morningstar and for investors: "Policy really drives and dictates a lot of what ends up happening to investors." (2:40-4:55) How his team avoids conflicts with Morningstar's business interests: "What would be best for investors and what evidence do we have to support that position?" (4:56-6:25) How his team works to ground policy recommendations in the data: "What we don't do is we don't try to make values-based arguments." (6:26-8:25) On whether investors are shaping the investment landscape more than policymakers are: "It's in government's long-term interest to make sure we have a system that protects and empowers people to save and make some decisions." (8:26-10:35) Policy Matters Today The state of fiduciary regulation for financial advisors: "It's sort of a mess." (10:36-14:53) Morningstar's Take on the SEC's Proposed Conflict of Interest Rules The SEC's Best-Interest Proposal: What Morningstar Told Regulators DOL Sets Date to Propose New Fiduciary Rule    States' role in creating policies that affect investors: "I hope these things build toward a federal solution." (14:54-16:58) New Jersey Proceeds With Adoption of a Uniform Fiduciary Standard  Nevada's Draft Regulations for a Uniform Fiduciary Standard    What will drive substantive change in Washington with respect to the investment and retirement landscape: "It's a very slow-moving ship." (16:59-19:51) The State of the U.S. Retirement System Retirement preparedness in the U.S.: "There are a lot of people who have been left behind by the fragmented system that we have." (19:52-22:48) How to measure retirement adequacy: "People should be able to sustain their standard of living that they had during their working lives in retirement." (22:49-24:13) Whether today's retirees are running out of money, and how we would know. "You don't want to do policy by anecdote." (24:14-26:38) Rand Corporation Retirement and Retirement Benefits Research 2019 Retirement Confidence Survey (EBRI)   On the bifurcation in retirement-plan quality between big and small employers. "Small employers are busy keeping the lights on." (26:39-29:22) SECURE Act (passed by the U.S. House of Representatives on May 23, 2019)  Retirement Enhancement and Savings Act of 2018  Solutions for Small-Company Retirement Plans  Legislation That Aims to Help Workers Save    On whether the Thrift Savings Plan for federal workers should be available to more workers. "It's great as a model that others can aspire to." (29:23-31:50) About the Podcast: The Long View is a podcast from Morningstar. Each week, hosts Christine Benz and Jeff Ptak conduct an in-depth discussion with a thought leader from the world of investing or personal finance. The podcast is produced by George Castady and Scott Halver. About the Hosts: Christine Benz and Jeff Ptak have been analysts and commentators on investments and the investment industry for many years. Christine is Morningstar's director of personal finance and senior columnist for Morningstar.com. Jeff is head of global manager research for Morningstar Research Services, overseeing Morningstar's team of 120 manager research analysts in the U.S. and overseas. To Share Feedback or a Guest Idea: Write us at TheLongView@morningstar.com

The Retirement Enhancement and Savings Act of 2018, or RESA for short, is a piece of bipartisan legislation currently making its way through Congress. The legislation, introduced in the Senate, proposes to amend the internal revenue code and ERISA, with the ultimate goal of helping more Americans obtain access to retirement savings vehicles. Currently, an estimated one-third of private sector workers do not have access to a workplace retirement savings vehicle and an estimated 42% of Americans are not financially ready to go into retirement. We’re joined by Congressman Mike Kelly, who represents Pennsylvania’s 16th district and is a member of the House Ways and Means Committee, to discuss the RESA legislation and its implications for Americans should it pass. For full show notes and links mentioned in this episode, visit https://www.bmogam.com/us-en/advisors/news-and-insights/congressman-mike-kelly-the-retirement-enhancement-and-savings-act/.

Congress is at it again. Tax Reform 2.0 is quickly moving its way through congress that will make some pretty significant changes to your retirement. Currently it is a combination of several bills, with one specifically titled the Retirement Enhancement and Savings Act.  Tune in this week as Keith unveils how the new tax law […]

A look at what the anticipated changes in The Retirement Enhancement and Savings Act might mean for both plan sponsors and participants, as well as an analysis of the latest court rulings of the Department of Labor’s Fiduciary Rule.

I’m calling this episode “Consulting the Source.” My guest would be the first to say he is not the source of our consumer financial protection rules -- that would be Congress. Still, no one has had more to do with translating law into regulatory form than Leonard Chanin. When Leonard left the Consumer Financial Protection Bureau for his current position at the law firm Morrison & Foerster LLP, it was big news. American Banker wrote: “Morrison & Foerster can’t say it hired the attorney who wrote the CFPB’s rulebook. But it picked up the guy who started the job.” Actually, Leonard has been involved in the crafting of pretty much all the consumer financial regulations since 1985. And for years he led the legal teams – first at the Fed and then at the CFPB – that wrote them. I consider him the single most expert person in the world on how to write consumer protection regulation in finance. His deep knowledge of the field and his great sense of humor led to a really fun and animated discussion about the challenges of financial regulation. In fact, our conversation continued for nearly another hour after we turned off the microphone. I often find that, after the recorded part of the podcast, my guests go on to say things even more interesting. In Leonard’s case, he said something I’ve been thinking about ever since, and I got his permission to share it. He said, “The only solution is to blow it all up. If we just take what we have and try to improve it, we will fail.” Our regular listeners know I’m at Harvard this year writing a book about modernizing consumer financial protection for the innovation age. I think most people in the financial field agree that the system we have hasn’t worked well. And yet, the course we’re on is exactly the one Leonard says won’t work – taking what we have and just trying to improve it at the margins. The CFPB, of course, is adding vigor and rigor to the effort and having many impacts. Still, this is a good time to examine the basic questions of what works, and whether we could do better. I met with Leonard in his office in Washington, and we explored it all. Can disclosure ever really be effective? What should we do about information overload?  Is it impossible for regulations to be both simple, and clear, at the same time, or do we have to choose between those two goals?  Should we rely more on principles-based regulations instead of detailed rules? When should the law just ban practices, instead of requiring them to be disclosed?  Should we have a regulatory sandbox? Is it worth trying to do better, given the enormous costs the industry incurs every time the rules change? What could we do better now that people can get information instantly on their cell phones? Should government try to protect people from their own mistakes, or just prevent deception and let consumers make their choices? I recently spoke at a conference where I said I think disclosure has largely failed as a consumer protection strategy in finance. Someone afterwards said to me that he thinks it was never meant to work – that it was just the industry’s strategy for preventing tougher regulation. I was involved in a lot of those early efforts, and as I say to Leonard in our talk, it seemed like a good idea at the time, to me. It seemed worth trying. But today, it’s time to think again. (For an interesting analysis of the ineffectiveness of disclosure, see this article by Temple University’s Hosea Harvey. Leonard is currently Of Counsel in the Financial Services group at Morrison & Foerster LLP. He advises clients on issues relating to the Home Mortgage Disclosure Act, Truth in Lending Act, Electronic Fund Transfer Act, Fair Credit Reporting Act, Truth in Savings Act and Equal Credit Opportunity Act. Before rejoining Morrison & Foerster, he was the Assistant Director of the Office of Regulations of the Consumer Financial Protection Bureau, heading the agency’s rule-making team of nearly 40 lawyers. He also provided legal opinions to Bureau supervisory and enforcement offices on federal consumer financial protection laws. Prior to that, he was Deputy Director of the Division of Consumer and Community Affairs at the Federal Reserve Board. His role there included providing legal opinions and policy recommendations to the Board and the Division on federal consumer financial services laws, negotiating rules and policies with the other federal banking agencies and providing legal views on enforcement actions against state member banks. Leonard’s law degree is from Washington University School of Law in St. Louis, where he served on the board of the Washington University Law Review. He is a currently a fellow of the American College of Consumer Financial Services Lawyers. So, please enjoy my conversation with Leonard Chanin. And…try my new video series, Regulation Innovation! And be sure to come to my new site, www.RegulationInnovation.com, and sign up for my new series of video briefings!  I’ve posted a short trailer (EMBED?) explaining the videos as a roadmap for navigating through the two toughest challenges facing every financial company – how to thrive on all this regulatory and technology. You can try it out and get started very easily. If you enjoy our work to bring together thought provoking ideas and people please consider a contribution to support the site. Support the Podcast Please subscribe to the podcast by opening your favorite podcast app and searching for "Jo Ann Barefoot", in TuneIn, or in iTunes.