Subject: File No. 4-606
From: BRUCE H SEARS
Affiliation: INSURANCE FINACIAL SERVICE AGENCY CASL ChFC DESIGNATIONS

August 25, 2010

The most important aspects to have the high quality financial service for clients, is both the education those representing the products/plans, and preventative negative actions in the beginning of the process to make sure the clients are receiving the most suitible product for their needs. I have averaged 60-80 hours of education and CE each year since I started my career. I do NOT need more requirements of education. Strong suitibility standards so that clients receive the best product at a good value will help the most.