November 13, 2008

Subject: RE: File No. S7-14-08

To the SEC:

As a member of the FPA, I am in support of the proposed rule to add SEC regulatory oversight regarding variable annuity sales. I currently am a fee only investment manager and financial planner, but I have been in the insurance industry in the past. On both sides during my twenty years of experience, I have seen significant abuse relative to variable annuity sales. The victims are clients, family, friends, the elderly and the unsophisticated. Additional oversight can be a help to those who need it most.

Regards,

Barbara Adamson, CFP®, CLU
Wealth Manager
Wetherby Asset Management