November 15, 2008

Subject: file NO . S7-14-08

This is to support that position that all investment advise given to people be done so by licensed individuals either as an RIA on fee or Securities license.

This would include index annuities, group annuities, and TV and radio personalities who give advice on actions or products.

The SEC should be the organization that oversees the advise on index annuities and a broker dealer should oversee the representative.

Chip Williams, CLU, ChFC, CFP ®
Branch Manager