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

Jun. 23, 2018

Jun 23, 2018

Securities and Exchange Commission

To the and Exchange Commission,

STOP the deceptive and unethical practice of advisors taking advantage
of clients by giving bad advice intentionally in order to increase
their payday. It simply is just theft by pencil.

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. James Ramey