Subject: File No. s7-25-99
From: Becky H Salsburg, CFP

September 22, 2004

I urge the SEC to withdraw the proposed rule. I believe that the rule will create two standards of conduct for individuals offering financial planning services. This would be anti-competitive.

Individuals offering financial planning serivces should be governed the same regardless of RIA or broker dealer affiliation. This would benefit consumers. The Consumer Federation of America and AARP also strongly object to this rule.