Subject: File No. 4-606
From: Francis J Pickett, CLU, ChFC

August 24, 2010

Please, do not add to the burden we already have in order to help people with their investments. I have been in the business for 25 years, and the level of paperwork and compliance is overwhelming already. It is getting harder and harder to help the "little guy" because there is just not enough commission to pay for the time and effort we already have to perform. Adding to this will inhibit me from taking clients with small portfolios. Enough is enough