Subject: File No. 4-606
From: Joseph S. Bradley, Chfc
Affiliation: Member of Society of Financial Professionals

August 28, 2010

To whom it may concern,

Please do not change something that is not broken. In my practise it costs almost 70% of any earnings to cover all the paperwork, compliance, EO. I work with mostly the average Pa Ma clients. If you make more changes, I either have to stop helping them or will have to start charging fees (this means a lot of individuals will just avoid planning and continue to add to struggling economy).

Please leave things as they are.


Joseph Bradley