From: Judy Miller, CFP [mailto:judysrclass@earthlink.net]
Sent: Tuesday, July 09, 2002 11:08 PM
To: rule-comments@sec.gov
Subject: File S7-25-99

To the SEC members considering the rule that "Certain Broker-Dealers Deemed Not To Be Investment
Advisers."

I am a sole practitioner striving to serve the public.  I disclose how I am compensated and tell
my clients the fiduciary standards I uphold.  I meet with people who have had broker-dealers make
recommendations to them that purportedly served their financial planning goals and who have later
discover how ill-served they were by these planning suggestions.  I wholeheartedly oppose this
rule.  Broker-dealers and their representatives should be required to meet uniform standards for
the conduct of the financial planning profession.  I request that you withdraw this rule.
Sincerely, Judy C. Miller, CFP(R) 

Judy Miller
Certified Financial Planner
Certified College Planning Specialist
College Solutions  www.4collegesolutions.com
510-521-5400

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