Subject: File No. 4-606
From: Greg H Marchand, CFP

August 24, 2010

You are really confusing the public, and that's not good. The vast majority of people are better off with advice. You are going to push even more people away from the process, and I think the ones that stay will be paying more. Bottom line if you cannot effectively communicate what these changes will look like to the professionals in this industry (which you definetly have not), then how do you expect the general public, and the hopeful consumer of these services, to understand it? Confusion will be quite harmful