Subject: File No. 4-606
From: Eileen J Trott, CFP

August 11, 2010

After 31 years in the financial industry, it has become apparent that an individual can have a large or small portfolio, a high or low level of education or any level of lifetime experience and still need the fiduciary standard of advice and service. It is not the individual's full-time job to research investment opportunities. That is why they hire a professional. The industry owes the general public a standard that allows them a level of confidence that they can trust the ethics of the individual they choose to invest with, or they will all put their money under their collective mattress, and financial advisors will no longer be needed.