326 pages. "It is essential that revisions be made to the Proposal to: [1] Ensure that providers, plan sponsors, plan fiduciaries, and IRA owners retain the freedom to define the nature and scope of their relationship.... [2] Preserve reasonable and customary commission-based practices ... [3] Be protective of the interests of savers and retirees through a workable rule that ... supports and encourages key educational activities when interests align. [4] Encourage access to a savings plan at work and provide the opportunity to learn about and access annuities, the sole means available in the market place by which retirees can secure income for life. [5] Ensure access to important workplace benefits such as life, disability income, long-term care, and other non-medical insurance products.... [6] Base the cost-benefit analysis on a careful examination of the impact of the rule on the availability of annuities and workplace benefit insurance products."  MORE >>