Subject: File No. 4-606
From: Mark S Starosciak
Affiliation: CFP

August 25, 2010

I worked at Merrill Lynch for 10 years as a broker and am now an RIA. I believe the vast majority of investors with non-fiduciary advisors are being short-changed and sold products rather than receiving true consulting. Please hold the entire investment community to the fiduciary standard. It's the only way to ensure the investor from Main Street will get a fair deal. Otherwise, the sales games will continue at the large brokerages.