Subject: File No. 4-606
From: Stephen Keller, CFP

August 16, 2010

Stephen Keller, CFP, LUTCF, CLU, ChFC, CASL, RHU-

I believe we must work hard to establish with certainty that our ethical obligation is to only recommend suitable investment and protection strategies for our clients.

The current level of cynicism about investments and their purveyors is palpable in this marketplace.

The investing public is wary of virtually every strategy as they don't know which financial firms and representatives to trust. The only method to cope in this environment is to stress the true transparency of your recommendation. The simplification of the explanation of the particular benefits is only one solution.

Thank you for your continued interest.