Subject: File No. 4-606
From: Howard B Brachfeld, CLU,ChFC,CMFC

July 30, 2010

Enough regulations.
I already waste too much time on compliance nonsense.
I have been in practice for 38 years, helping the public with their insurance and investment needs.
I resent your implying that I do not provide unbias advice and assistance. I work with people of both great and little means. Your proposed regulations will force me to move to a fee only platform, assisting only those who can pay me substancial fees.
But I surpose that is your real agenda anyway. Then you can claim the public is not being served properly and the nationalize this industy and have salaried know nothings on the government payroll dispence worthless advice endorcing government policy.