"The interests of retirement savers are served by enhancing access to professional retirement planning and guidance at an affordable price rather than imposing barriers to access. Americans currently have choices about how to work with a financial professional. These choices have increased workers' confidence and retirement savings. Any change to the current rules under ERISA that would limit access to professional retirement planning, guidance and investment products would potentially reduce workers' overall level of retirement savings. Experience in the United Kingdom and Australia does not support adoption of similar regulations in the United States."