Subject: File No. 4-606
From: John R Dean

July 30, 2010

Advisors are regulated enough through our broker/dealers. We are required to do the best for our clients based on their needs and wants using our educational background and experience. This will also subject us to many more lawsuits as the definition of "suitable" varies and can include product, price, investment options and many more subjective areas.
It is vital that the current standard and setup be maintained.