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

Jun. 20, 2018

Jun 20, 2018

Securities and Exchange Commission

To the and Exchange Commission,

We have all worked very hard to get to our retirement.  What we have
worked hard at rarely includes Securities and Exchanges.  We need the
regulatory powers to have the rules and regulations to protect our
finances.  Loopholes that allow immoral advice to go unrestricted is a
serious problem for many investors.  Such behavior needs to be held
accountable.  Advisors should retire on their own work not ours.


Mr. Ted Cosbey