Subject: File No. S7-09-09
From: Stephen E. Simmons
Affiliation: Financial Advisor, First Command Financial Planning

June 30, 2009

The percentage of crooked advisors is a small minority and financial advisors have enough scrunity. Just adhering to the CFP Board code of ethics places us ahead of the preponderance of unethical planners. Time to clean up the SEC and have them oversee hedge funds and the counterparts.