Sent: Wednesday, March 10, 2004 12:38 PM
To: rule-comments@sec.gov
Subject: S7-06-04:

Comment re: S7-06-04.  I believe it imperative that,  "financial
advisors" ( fixed and variable annuities,401k's,403b's,Mutual
Funds,Money Market Funds, etc.), disclose on every transaction
the fee and expenses that I pay going in and out.(before the in
and out transaction can occur.)  I would like to know how much it
is costing me for them to manage my money.  I have been trying to
get it for years from our CFP's at Lincoln Financial (Group)
Advisors, without success. It is always skirted in some manner.
I should know how much their company stands to gain and how much
they personally stand to gain by using their suggested fund, one
over another.  Thank You for considering my comments.

Sincerely,

Carvel C. Hase