Subject: File No.
From: M. Albert Burke
Affiliation: Registered Investment Advisor

October 27, 2010

To Whom it may concern:

I have been in the investment field for over 40 years and what I see you doing is not helping the investor but hurting them. Typically, I have charge a fee for the advise and servicing of the client's account. This fee is not the cheapest nor is it the most expensive. However, I typically give better than any of the competitors in my area and the charge helps to defray my expense and the time spent.
Monthly, I call each of my clients and tell them what is happening in their account and ask if there risk tolerance has changed. Each year I seat down with each client and review their personal and confidential investment question to make sure we are still on the same page with them.
As a result, we have satisfied clients, who in a down market are not leaving, selling at a realized loss and have a good chance of recovering their paper loss. This takes time for the benefit of the client, plus we do a "due diligence review" of the mutual funds into which I
direct my clients to invest.