Subject: File No. 4-606
From: Robert A Sink
Affiliation: Financial Advisor, Northwestern Mutual Financial Network

August 2, 2010

I am writing in opposition to the proposed Financial Reform legislation. A fiduciary standard is not necessary for every client and the legislation is an overreaction to the indiscretion of a few. It will require more disclosure, more paperwork, and oversight increasing the cost to the consumer.

Instead have firms teach the "Golden Rule" and that will eliminate a multitude of oversight and regulations that will be unnecessary if Advisor simply "do the right thing"