I am 70 years old and retired. I have been investing for 45 years. I have the right to make my own decisions in what I choose to invest. I do not need the government to control my decision making.

To whom it may concern: FINRA Regulatory Notice #22-08 comment. Why is it that these attempts to regulate retail investors on the investments noted in the notice only seem to occur when the retail investor that is prudent is being rewarded with market returns? Where were the regulators when the Federal Reserve so interfered with the markets as to cause retail investors significant losses for the prudent decisions to hedge or use otherwise proper investments for insurance against losses? File "13" for FINRA Regulatory Notice #22-08.

Increased levels of regulation (and individual restrictions) of personal finances and investments may seem like the correct answer to protect consumers in today's landscape.

Unfortunately, many well-meaning (but overreaching) restrictions will be pursued. While not apparent at first, these regulations and restrictions will certainly have the opposite of their intended effect.

No! We do not need further restrictions, permissions from mommy, brokers or big government to invest. We do not need tests or any other restrictive device. Markets are efficient, most investors know the risks and will allocate their resources accordingly. A clearly worded prospectus that explains the risks specific to that instrument are all thats needed.

I am perfectly capable of deciding what level of risk is right for me, I neither need nor want any regulations that will restrict my investment choices.
Thank you.

This idea of regulation is only to block the average citizen from becoming financially secure. For whatever reason our so called democratic government is striving to keep the common citizen from attaining wealth. This is a classic case of creating a Cass system. Shame on our government for trying to keep the majority poor, when there is more than enough to go around. In keep the majority poor the few wealthy can then control the well being of the majority and this gives rise to abuse.

Closed end funds are not so sophisticated an investment that it would require further regulation.

I urge you, beg you really, not to move forward with these proposed regulations. My wife and I are retired, and depend on our investment income. I have been successfully investing in equity markets for decades now and leveraged funds have played a crucial role in that. I consider myself knowledgeable and experienced and am well aware of the risks involved. I strongly feel that I should be able to choose the investments that are right for me. Please feel free to contact me with any questions. Thank you, Dennis Healy

Dear FINRA-

United States of America if a free country free to practice the faith you choose, free you to move where you want to live and make a legal living. Please keep your hands off, I should be able to choose what investments are right for me and my family.

My PROSHARES ETF's are my insurance for my share portfolio, DON'T disallow people to have insurance