Subject: File No. 4-606
From: Herb Montgomery, CFP
Affiliation: Financial Planning Association

August 25, 2010

All financial products salespeople should be held to the same fiduciary standard that Registered Investment Advisors are held to. Although I don't think the SEC and members of Congress have the courage and ethical standards needed to enforce these regulations. I will benefit personally if they don't because when I explain to a potential client how I am regulated versus the financial salesperson I always gain a new client.