Subject: File No. 4-606
From: Kelly Harris
Affiliation: Society of Financial Service Professionals

July 30, 2010

Please do not imnplement new fiduciary standards on our industry. The few rogue advisors can do the same thing they have always done. This will only affect the advisors that are doing their job right, already. It will increase the cost of doing business which in turn will most likely be passed on to the consumers in the form of increased fees.
By trying the protect the consumer you are actually harming them in the long run.