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

Jun. 20, 2018

Jun 20, 2018

Securities and Exchange Commission

To the and Exchange Commission,

Not requiring financial advisers, insurance agents and others who
invest money for clients and customers are required to act as
fiduciaries for their clients ensures that dishonest and manipulative
financial advisers, insurance agents and others will take advantage of
the opportunity to increase their income at the expense of investors.

I'm counting on you to make a stronger rule that closes the loophole.
Americans who've worked hard to save for retirement deserve peace of
mind about their financial security.


Ms. Jean Apgar