Dear Chamber of Commerce Members,

I spent some time in September in Washington D.C. this trip was definitely all business as I didn’t do any site seeing.

I spent most of the time in a conference which was held at the Washington Hilton and spent the balance of the time in regulatory meetings and on Capitol Hill visiting with our Representatives.  I have done this a few times in years past but this time was the most effective we had immediate reaction to an issue that we were talking about.

I belong to an association called National Association of Insurance and Financial Advisors (NAIFA).  I enjoy belonging to this association because it is made up of people (not Companies) who deal directly face to face for the most part with their clients.  Our advocacy is ultimately for our clients, as they are the beneficiaries of the sound financial plans and of the products that we sell. Our strength is in the fact that we are advocating as Insurance and Financial Advisors that take their Grassroots message to the lawmakers and regulators on Main-street not Wall-Street.

I have copied & pasted in an article from the NAIFA website on the issue that we received immediate response from.

“NAIFA is gratified that the Department of Labor has decided to re-propose its fiduciary rule and clarify what types of investment information and fee arrangements will be exempted. We look forward to reviewing the new proposal with a singular focus on ensuring that middle-market investors continue to have access to affordable professional investment guidance for their retirement planning.”

NAIFA will work with DOL to ensure that any new proposal adequately protects consumer access to retirement savings products and services while ensuring that consumers receive investment advice of the highest quality and reliability. As NAIFA indicated in previously submitted comments to the department, any DOL proposal should:

      Not extend ERISA-based regulation to individual retirement arrangements (IRAs),

__  Include a robust seller’s exception to ensure retirement investors do not lose access to investment recommendations from broker-dealers and their representatives, and

 Not contradict the provisions of Dodd-Frank specifying that receipt of commissions and sales of proprietary products are not intrinsically fiduciary violations.

I am bringing this point up because of the type of Government we have in the United States is becoming blurred by some people’s perspective.

We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defense, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.

We the people for the people by the people, we need to become active as citizens of this great country and begin to define what type of system of government we want to be governed by.  Do we want to live in a free country?  Then we need to exercise our freedom and vote.   Participate in a group or as an individual to determine your own life or realize your own potential.   Freedom, in this sense, may include freedom from poverty, starvation, treatable disease, and oppression, as well as freedom from force and coercion, from whomever they may issue.

My main point is, if you have backed away or never have been one to get involved in politics at any level; if you are one of the people that the constitution is talking about; if you want to be governed by this type of system, then please participate in the process and be a part of this great country that is governed by the common people.  If I can go to Washington D.C. with a bunch of grassroots people just like me, and make a difference then we all can be a part of the process to help this country continue to be great.

The Mini-Cassia Chamber of Commerce works on the local level to bring the business & the farming community together to develop strong local networks, which can result in a business-to-business exchange. In most cases, local Chambers work with their local government, such as their mayor, their city council and local representatives to develop pro-business, farming, community initiatives & advocate working to assure economic vitality and quality of life within the region.

Let’s embrace the future with resolve to  make a difference in the outcome by involving ourselves with the process.

I look forward to visiting with you, please feel free to email me ( This e-mail address is being protected from spambots. You need JavaScript enabled to view it ) or get in touch with me if there is anything that

Respectfully submitted

David Hruza