Subject: File No. S7-09-09
From: Robert J. Bohner
Affiliation: Personal Financial Consulting, Inc.

June 30, 2009

With increasing costs and decreasing revenues on my fee based business (30% decrease due to market declines) this would cause a VERY NEGATIVE affect on my bottom line and perform no good for my clients. All my clients funds are actively managed by 3rd party fund companies, I do not custody the money or decide when the rebalancing trades are done. Genworth Financial and Principal Financial SAM accounts make the decisions and study the money.

Thanks for listening...

Bob Bohner