Subject: File No. S7-25-99
From: Cameron A. Black, CFP
Affiliation: Independent Fee-Only Financial Planner

January 14, 2005

I would like to ask the SEC to completely withdraw the proposed rule primarly because it seems problematic, at best, to draw a line between financial planning services that are incidental to brokerage and those that are not. If you cant draw a clear line, it cannot be enforced effectively.