Subject: File No. S7-25-99
From: Lawrence M Tomczak
Affiliation: Reg Rep MML Investors Services Inc

August 25, 2004

Please, 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. The rule also exempts, in effect, brokers from being required to disclose conflicts of interest in connection with the offer of financial planning services.