Subject: File No. 4-606
From: Michael S. Immel
Affiliation: NAIFA, MDRT

August 6, 2010

I have been an agent for 28 years with thew same firm. I have done securities since 1994. I have built a book of business that exceeds 500 clients. To keep my securities license I need to attend quarterly traininmg with my broker dealer. And follow all Finra requirements. I have never had a violation of any sort.
You are trying to fix a problem that a few people are causing. I can get you a list of my clients with signatures confirming they are happy with working with me and are on track to acheiving their retirement and Financial goals.
These clinets need our help or they will rely on the govenment in retirement and we know there is not enough money there to take care of everyone.
What we do is crucial to help prevent us from becoming an impoverished nation.
These people need our help one on one. That is what my agency does ands will continue to do.
Hopefully the Govenment will not impose unfair regulation on the average guy who is doing his job properly.
Thank you for your time.
Mishael S. Immel