Subject: File No. S7-25-99
From: Henry L Woodward, CFP
Affiliation: Principal, Woodward Financial Advisors, LLC

September 21, 2004

I am a CFP practitioner, a registered investment advisor, and strongly believe in full disclosure to clients. I think stockbrokers who hold themselves out as financial planners should make full disclosure to clients, and be held to a fiduciary standard, as we are. It is in the best interests of the investing public to have full disclosure by all who provide services.