From: Vikki Ratledge [vikki.ratledge@ronblue.com]
Sent: Tuesday, July 02, 2002 1:57 PM
To: 'rule-comments@sec.gov'
Subject: File No. S7-25-99

To Whom it May Concern,

I would like to express my strong opposition to the proposed SEC rule,
"Certain Broker-Dealers Deemed Not To Be Investment Advisers."  Today, more
than ever before, the public needs the protection of full disclosure of any
conflicts of interest and advice given by professionals who provide
financial planning advice acting in a fiduciary capacity.

Vikki Ratledge
Compliance Manager
Ronald Blue & Co., LLC