Subject: File No. 4-606
From: Cynthia L Bong
Affiliation: Registered Representative

August 23, 2010

I am a registered representative and work mainly with families in planning for the future and protecting against risk through insurance products. I am always providing services that I believe is in the best interest of the client. I do this through thorough fact finding. Working together we do the best we can to provide a means of protecting their future.

In doing this, I have complied with the compliance requirements through my broker dealer. While there are numerous forms that need to be completed, each helps to show that we are making appropriate decisions.

To add more regulations in this area may mean that some of my clients that only invest $50-$100 per month, may not be able to work with a fee based planner. Many of these are young individuals learning the importance of planning for their future.

I have a Series 6 and 63. I do not work with individual stocks. I pay an additional state fee for working with Variable products. To add more fees and regulations for the work I do would make it difficult for me to afford to continue to work with the individuals that need help in this area.

I believe the audits from FINRA and regulations that are in place will continue to protect consumers. I ask you to continue to allow me to use the suitabilty standard to serve my clients.

Cynthia L. Bong, CLTC, LUTCF
Registered Representative