Subject: File Number S7-07-18: Stop financial advisers from sapping Americans' retirement savings
From: Alfredo Cardona

Jun. 20, 2018

Jun 20, 2018

Securities and Exchange Commission

To the and Exchange Commission,

Dear Sir:
As an investment advisor and a strong believer in doing the utmost for
the client, I strongly urge you to close the loopholes that exist in
present legislation.
Suitability is not enough.  Only a full fiduciary approach will do.

Thank you.


Mr. Alfredo Cardona