Subject: File No. 4-606
From: Ray Zatorski
Affiliation: Engineer

December 16, 2010

All persons dispensing financial advice should be required to be a fiduciary.

As an engineer, we have the responsibility of putting public safety and product safety first, otherwise we lose our license. Any person dealing with an individual's money should also be required to put the safety, in this case financial safety, of the individual first.

Thank you for the opportunity to comment on this important issue.