Subject: File No. 4-606
From: Benjamin Lupu , CFP
Affiliation: Certified Financial Planner

August 17, 2010

The SEC needs to know that a consumer-friendly, fiduciary standard is good for the American public.

The current dual standard for investment advice is confusing and harmful to consumers. Consumers should not receive a different standard of care for the same type of advice just because it is delivered by a broker-dealer or insurance agent rather than an investment adviser or CERTIFIED FINANCIAL PLANNER professional.