Hi Steve,

Thank you for weighing in with your story. Having hosted the Online Forum I can hopefully clarify what was intended by the "ratings." Investment performance record is certainly one way to evaluate the quality of an investment manager or adviser. The problem is that among an investor's top 5 concerns, performance is third, and the other four criteria all relate to things, such as: finance pro has my best interests as their focus; finance pro speaks with a minimum of jargon; finance pro was recommended by a friend; et. al. In the forum it was proposed that these traits have no quantitative basis and therefore there is no way to factor it into an investor's decision-making process. I hope that clarifies the points made during the event.

Yours, in service,

Jason