Subject: File No. 4-606
From: Kevin C Paulsen, CFP(R), RPA
Affiliation: Financial Advisor

July 30, 2010

Those who hold themselves out to the public as a financial advisor should operate under the fiduciary standard of care. I believe it strikes most of the investing public as less than forthright for an advisor to let clients believe he or she has the client's best interest at heart when in fact they put their own income interests first.

With the growing concern that Americans do not have enough saved for retirement and that they need help investing for their retirement years, it is imperative that the interests of the investing public be protected.