Subject: File No. 4-606
From: Dale A Goff
Affiliation: Certified Financial Advisor

August 1, 2010

There are enough regulations on financail advisors. We are covered up with compliance inspections and forms. Our broker dealers are scared to death of an audit from the SEC so they push their fears onto us field advisors.

The government can not regulate and mandate ethics no matter how hard they try.

There are plenty of regulations to protect the clients. More will not help.

Dale Goff, CFP