Subject: File No. 4-606
From: Kenneth R Wink
Affiliation: Summit Financial Consulting, LLC, a Michigan Registered Investment Advisory Firm

August 10, 2010

In my experience, requiring all BD's and licensed reps to only recommend products that are in the best interest of the client should be mandatory, not only suitable.

I am disgusted by real life examples on a near weekly basis by the amount of registered reps who sell products thinking only of their commission and not what is in the best interest of the client.

Annuities and B share Mutual Funds are the most often unsuitably sold products.

If you do not hold registered reps up to the RIA fiduciary standard then PLEASE advertise more to let individuals know that they can ask for arbitration, or where to contact to file a complaint.

The injustices that occur everyday are disgusting. A higher standard of expectations for investment "professionals" is completely necessary.