Subject: File No. S7-14-08
From: Eric Heckman, CFP®, ChFC, CLU
Affiliation: Heckman Financial & Ins. Services, Inc.

November 13, 2008

I oppose the SEC proposed rule and I do not agree with the FPA on this matter. I am a member of the FPA but they are totally wrong on this. All I get is thank you’s and “you saved my retirement” since I had my clients put some of their funds in suitable Index Annuities. The money invested is down A LOT but the index annuity is safe and has a good potential for gain next year. The industry has implemented suitability and better product options. The states have stepped up there efforts to make sure the consumer is safe. Please have the SEC stick to securities, products where your principal is at risk, and stay out of fixed principal products.

Eric Heckman, CFP®, ChFC, CLU
Wealth Creation & Preservation Specialists
Heckman Financial & Ins. Services, Inc.