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

Jun. 20, 2018

Jun 20, 2018

Securities and Exchange Commission

To the and Exchange Commission,

I am writing to ask that you protect vulnerable people who for whatever
reason do not or cannot understand the complexities of financial
management.  These individuals are dependent on people with integrity
to act in their best interests.  Please look at history going back to
the stone age, and realize that the strong will eat the weak.  It is
your fiduciary responsiblity to protect these people as best as can be
written into the rules.  It could be your parents, siblings, friends or
neighbors who would be the next victim.

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.


Mr. Robert Kwiatkowski