Subject: File No. S7-14-08
From: Samantha J. Kopek, CFP®, EA
Affiliation: GTrust Financial Partners

November 13, 2008

To Whom It May Concern:

I support the Equity Index Annuity Rule. I have been doing fee-only financial planning since 1997. I have been a CFP® certificant since 2006. I have learned from my clients that these products which are sold to them tend to be very vague and they do not understand them. The average individual is NOT an expert in these products. They cannot be expected to understand them. They are vulnerable.

We need more oversight in this area. Thank you for your time and consideration.

Samantha J. Kopek, CFP®, EA
Vice President and Senior Advisor
GTrust Financial Partners