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

Jun. 20, 2018

Jun 20, 2018

Securities and Exchange Commission

To the and Exchange Commission,

My mother was conned into a financial instrument after the the
recession started.  What she had was at 7% interest.  What she got was
a penalty for closing what she had ear!y at a lower interest rate  She
was in her 80s when this happened and we did not find out until her

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. Cristi Robillard