Subject: File Number S7-07-18: Stop financial advisers from sapping Americans' retirement savings
From: Carol Carpenter
Affiliation:

Jun. 20, 2018

Jun 20, 2018

Securities and Exchange Commission

To the and Exchange Commission,

As a former licensed retail broker, NASD-member firm manager, and Trust
Investment Officer for Citibank, I am at a loss as to what makes shady
financial advisers acceptable. In the mid-80's to early 90's, you darn
well better comply with the rules and investment objectives of the
client or your career would be short-lived.

If there is a known loophole allowing unscrupulous advisers to pimp
innocent investors, close it. Completely. Period. Demonstrate your
scruples. Send a clear message by fixing it properly the first time.

I'm counting on you to make a stronger rule that closes the loophole.
Americans who've worked hard to save for retirement deserve peace of
mind about their financial security.

Sincerely,

Ms. Carol Carpenter