November 13, 2008

Subject: Equity Index Annuity Rule s7-14-08

I support the passage of the Equity Index Annuity Rule. I have been a financial advisor for 21 years. I see clients from time to time who have bought these products and that no idea what they bought. Because of very long deferral sales charges people have no way to change their investments as needs change. Without proper suitability disclosure the average consumer is not protected.

Cliff M. Robello, CFP, ChFC
CMR Financial Advisors, Inc.