Subject: File No.
From: Boris Lokshin, PhD, ChFC
Affiliation: Financial Consultant

November 1, 2010

My name is Boris Lokshin,PhD ChFC. I was named by Boston Magazine the Top-Scoring Wealth Manager in the Boston Area in 2010 .

I want to let you know that I oppose allowing broker-dealers to set their own commisions for many reasons.

It would take too much of the writing space to discuss verious resons for my opposition.