Subject: File No. 4-606
From: John L Carbone

August 30, 2010

I am a financial repesentative with 6 63 licenses. My objectives are the fully serve the best clients need for orgnizing finances that meet their life goals. Every investment service is tested through the suitability guidelines imposed through FINA. The forms and questions requires that I informa the client of the services, costs and comparative performances. Once all questions are answered to the clients approval, the contract is signed. Thia will also be reviewed by the broker dealer for suitability and best interest of the client. It has worked very well in screening the efforts by all representatives.

The proposed fiduciary guidelines by the SEC are vague and do not seem to provide any improvement over the current suitability guidelines. For this reason, I wish that the SEC fiduciary guidelines be rejected.