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

Jun. 21, 2018

Jun 21, 2018

Securities and Exchange Commission

To the and Exchange Commission,

My wife and I are depending on our 401k investments, which we have been
savings since 1988 for our retirement, and we need to be able to depend
on receiving fair and honest advice and services from the financial
industry. We can not afford to be cheated, miss lead or defrauded,
especially at the end of our working lives when there's no time to
recover.  We have worked hard, been generally responsible and
"followed the rules"; we expect that the government would
require the same of the financial industry.

Failure to provide fair and just laws, adequately enforced by the
government, with prosecution when required, destroys faith in the
system and will eventually lead to bad outcomes to all, even the people
who are doing the cheating.

I request the SEC enact a strong set of clear and just regulations on
this matter for everyone's good.


Mr. Steven Perkins