November 13, 2008

Subject: Index Annuity Rule Proposal- File No. S7-14-08

Carper Wealth Management

Financial Life Planning and Wealth Management

I am a CERTIFIED FINANCIAL PLANNER tm and member of the FPA. I oppose the SEC having any oversight on any non-security product, including index annuities. The insurance regulatory industry is quite capable, as they have shown in history, to monitor licensed agent practices.

The SEC has its responsibilities and needs to spend their valuable, limited time in their respective area. Thank you.

Erin M. Carper