Subject: File No. S7-14-08
From: Michael H. Mulhern, CPA*, CFP®
Affiliation: Total Retirement Solutions

November 13, 2008

• I am a member of FPA and I support the proposed rule
   
• All products that include Securities should be sold only by advisors who are licensed to Sell them!!!

Have a GREAT Day!

Michael H. Mulhern, CPA*, CFP®
Total Retirement Solutions