Subject: File No. S7-25-99
From: Daryl G Graham, CPA,CFP
Affiliation: Financial Planning Association

August 30, 2004

Please withdraw this rule proposal. This proposal creates two standards of conduct for persons offering financial planning services and will further confuse the public. I have invested considerable time, energy and money into attaining and maintaining the credentials and licensing I presently possess in order to proficiently serve the public in this capacity and can think of no good reason why the Commission,especially in light of all the recent governance and supervisory issues with the large wirehouses,would desire broadening the exposure to consumers.