Subject: File No. S7-25-99
From: Dawn Heneberry
Affiliation: CTFA, CFP

August 27, 2004

I urge the Commission to WITHDRAW, not amend, the rule proposal. I believe the rule is harmful to consumers by creating two different standards of conduct for persons offering financial planning services: a higher
fiduciary standard for registered investment advisers and a lower one under NASD suitability rules.