Subject: File No.
From: Michael Goldfeder, CFP

October 27, 2010

I am a 15 year veteran in the financial services industry. I know that this change in rules will lead to the elimination of valuable service to the middle market consumer. These are exactly the people who need the most advice and guidance and this change will remove the incentive for broker dealers to be in that market. That is a disservice to millions of good people in this country.