Subject: File No.
From: Ronald M Goss, Sr.
Affiliation: NAIFA-GA President Elect

October 27, 2010

File Number S7-15-10

I have been a licensed insurance professional for over 40 years. I support the new SEC rule 12b-2 which would continue to use the 25 basis points fee to insure that investors receive ongoing service and advice. I also approve of the use of the terms "marketing and service fees".

I do not approve of allowing broker-dealers to set their own sale charge and commission amount. I believe that this will lower the availablity of needed advice for middle market advisors , which will mean that only upper income investors will be getting personalized investment advice.
This will lead to the people who need it the most (middle and lower market investors) getting less than the service and guidance they deserve and need.