2015年养老金40：Kathleen Kennedy Townsend

“我不怕埃里萨，”说Kathleen Kennedy Townsend.，乔治城大学退休倡议（CRI）首席执行官。这位64岁的Townsend，他也是华盛顿的投资和咨询公司摇滚溪集团的董事总经理，称她的投资管理经验使她更加乐观地看待Erisa如何在抵抗联邦的状态下会使退休储蓄储蓄。监督。In her position at CRI and as chair of Maryland’s task force on retirement security, Townsend — former lieutenant governor of Maryland and Robert Kennedy’s eldest child — says, “I’ve been pushing a different viewpoint, which is that I think it’s important to have the consumer protections that ERISA offers.” Her hope: Over the next few years, more states will embrace those protections; if that doesn’t occur, a single statute might make the most sense. So far, more than 20 states have tried to write their own statutes, often — as in the case of Connecticut — using ERISA language, but Townsend points out the difficulty of regulating and implementing those efforts. The Maryland task force plans to introduce legislation that will allow employers to contribute to multiemployer plans, unlike the individual retirement account model that has taken hold in other states. “I think [multiple-employer plans] will grow as a more attractive option in coming years, because the Department of Labor will make it clear, I hope, that they are a viable option and people will understand that we want to encourage a greater contribution than 3 percent.”