Subject: File No. 4-606
From: ROBERT A LIEB
Affiliation: CFP

August 18, 2010

PLEASE DO NOT EXTEND FIDUCIARY OF CARE RESPONSIBILITIES TO INSURANCE AGENTS AND FINANCIAL ADVISORS AT INSURANCE COMPANIES AND BROKER DEALERS. THEY DO NOT HAVE THE NECESSARY TRAINING OR EDUCATION TO TAKE ON SUCH RESPONSIBILITY. THANK YOU FOR YOUR TIME.

SINCERELY,

BOB