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

Jun. 20, 2018

Jun 20, 2018

Securities and Exchange Commission

To the and Exchange Commission,

I depend on income from my lifelong investments for my retirement
income--Social Security is not enough.  I missed out on 15 years of
deposits to my Social Security account because I lived in Ohio, one of
few states that chose not to accept Social Security.  The investments
are all I have to supplement Social Security. ***It is very difficult
to go back to work at age 81, especially because I am physically

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.


Dr. Donald Owen