Subject: File No.
From: Brian Sandberg, ChFC

October 29, 2010

I am writing to oppose the reform of the SEC Rule 12b-1. The existing rule allows Main Street investors access to ongoing investment advice throught this provision. It is already disclosed and discussed with ever client. The people the SEC is trying to protect the most--middle and lower market investors—will be hurt the most, since they will be deprived of the guidance and service they need and deserve.