Subject: File No. S7-25-99
From: Eugene R Lawrence, CFP
Affiliation: Institute Director, Financial Life Planning Institute

August 23, 2004

In keeping the publics best interest in mind and not the brokerage houses, this rule should be completely withdrawn so that anyone offering financial planning services is held to the same high standards. It is time to stop the conflicts of interest that have been harming investors since the beginning of financial services. Please withdraw this rule.


Gene R. Lawrence, CFP
Institute Director
Financial Life Planning Institute