Subject: File No. 4-606
From: FREDERICK RUSSELL, MR
Affiliation: REGISTERED REP

July 30, 2010

WITH UNDERSTANDING OF FINANCIAL REFORM I AGREE WITH A FEW OF THE ACTIONS TAKEN. HOWEVER,WHEN IT COMES TO THE FINANCIAL PROFESSIONAL AND THE CLIENTS SERVED IRA'S, 401K PLANS,NON QUALIFIED ACCTS ETC. INTERFERENCE WITH CURRENT PROTOCOL IS " THE DEVIL IN DIGUISE" YES THERE ARE AND WILL ALWAYS BE A FEW BAD APPLES BUT OVERALL THERE IS GREAT SATIFACTION THROUGHOUT THIS OWRLD WITH THE WAY TRUE PROFESSIONALS CONDUCT BUSINESS ... PLACING THE CLIENT FIRST IS AND HAS ALWAYS BEEN THE NUMBER ONE GOAL FOR 99.9% OF THE PROFESSIONAL FIELD FORCE ... WITH OUT GOOD ADVISE MOST PEOPLE WILL RUN OUT OF MONEY LONG BEFORE DEATH . AS WE MOVE FORWARD TO A BETTER AMERICA WE THE PROFESSIONAL WILL BE MORE VALUABLE TO THE SUCCESS OF THIS COUNTRY THAN EVR IN ITS HISTORY ... THANKYOU FOR YOUR THOUGHTS IN ADVANCE