Subject: File No. S7-14-08
From: Robert Mansuetto, CFP

November 13, 2008

Although I am a CFP and a member of FPA, I oppose the ruloe that allows oversight of equity indexed annuities by the SEC for the following reason:

With state oversight I am allowed to select the best product available from the best company. With SEC oversight, Pruco, my broker dealer will limit me to sales of products from those companies with which they have a marketing agreement. I agree that a regulator should make sure that the consumer is protected but those protections are already in place.

Robert Mansuetto, CFP