Subject: File No. 4-645
From: Jennifer Micieli
Affiliation: Assistant Financial Planner, Yeske Buie

February 3, 2012

Investors should be aware about...

-How a financial professional is compensated so that they can more clearly understand the motivations behind their recommendations
-Exactly what type of services are being provided
-The scope/nature of the advisory relationship
-The advisors background/experience/credentials
-Understand the firm type, and be aware of where assets are custodied
-Have a clear understanding of the investment philosophy and objectives
-How to differentiate between financial credentials