Subject: File No. S7-08-18
From: Gerald Lopatin, CFP, EA
Affiliation: CA licensed investment advisor, CFP Professional

July 30, 2018

The proposed Customer/Client Relationship Summary is duplicative with existing ADV disclosures. It will impose a substantial burden on investment advisors, yet will deliver nothing of value to our clients.

This needs to be completely re-thought.

On the other hand, I agree with the limitations on use of the term "financial advisor" with respect to certain persons who are selling, not advising.