Subject: File No. 4-606
From: Martin J Coursey
Affiliation: CLU , CHFC

August 24, 2010

I wonder if those indiviuduals who were ripped off by Bernie Madoff and Ken Starr feel better because those advisors were acting as RIA's for those clients. How much protection did that give those people who lost their life savings?

We have more scuctiny as RR's than most RIAs and the daily complience that we go through is much tougher than RIAs