Subject: File No. 4-606
From: Roger E Muns, CFA, CPA
Affiliation: Investment advisor (fee only)

March 28, 2013

It is critical for the person managing your money to be pushing the wagon in the direction that you want it pushed - with NO CONFLICTS OF INTEREST. My wife knows that if I were to die before her, she should only use a fee only advisor.

What is good for my wife is good for all investors. If it is an investor with few assets, the advisor could use 2-4 index funds. Confirmations and statements should be delivered electronically unless the investor elects to pay extra for paper confirmations/statements.