Subject: File No. 4-606
From: Judy C Hagar, CFP
Affiliation: Wolters, Hagar Pratt, Financial Planning, Inc.

August 17, 2010

To Whom it May Concern,

I am in favor of the fiduciary standard. As a CFP of 25 plus years, and President-Elect of the FPA, I subscribe to the CFP Code of Ethics and the following Standard of Care:

Principle 1
Put the client's best interests first.
Principle 2
Act with due care and in utmost good faith.
Principle 3
Do not mislead clients.
Principle 4
Provide full and fair disclosure of all material facts.
Principle 5
Disclose and fairly manage all material conflicts of interest.


Judy C. Hagar, CFP