Subject: File Number S7-07-18: Stop financial advisers from sapping Americans' retirement savings
From: Kathryn M. Tominey

May 31, 2018

Securities and Exchange Commission

To the and Exchange Commission,

Stronger rules and agressive enforcement are essential so that
responsible citizens who saved for retirement can have peace of mind
about their financial security. That means IRAs, 401Ks, 403 SEPs
cannot be gutted by avaricious bonus obsessed advisers or their

And enforcement must be routine and agressive. No letting senior mgt
and executives off of the hook. If they accepted bonuses, etc. based
on earnings then they own the practices that generated those earning on
their watch.

There is simply no excuse at all for not imposing and enforcing
fiduciary requirements in those advising those accumulating retirement
savings and those in retirement.

Put your foot down and straighten your backbone.


Ms. Kathryn M Tominey