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

Jun. 20, 2018

Jun 20, 2018

Securities and Exchange Commission

To the and Exchange Commission,

The financial market is so complicated that most people cannot
understand it, and the market keeps coming up with ever more convoluted
instruments.  At the very least people should be able to trust that a
financial adviser is giving them honest advice that benefits them, not
the financial adviser.

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. Joyce Swaney