Subject: File No. S7-14-08
From: Ty Trainor
Affiliation: Executive Planning Group

November 13, 2008

In my experience, market indexed annuities have been used improperly. They are NOT fixed annuities no matter how you slice it and those selling them should be supervised at the same level (Federal) as those who sell the funds linked to the same indexes.

Ty Trainor, CFP, CLU - Partner
Executive Planning Group (EPG)
A Division of Wienken & Associates