FINRA

Violation of Article V, Section 2(c) of FINRA's By-Laws and FINRA Rules 1122 and 2010 - for willfully failing to timely amend your Form U4 to disclose one unsatisfied federal tax lien and three unsatisfied state tax liens.

Client alleged registered representative made a poor recommendation regarding the purchase of previous metal stocks and EFT's and failed to disclose associated fees.

$8,273.00

$3,538.99

Tax

$2,047.41

Tax

I was unaware that a PA state tax lien was filed in Cumberland, Co., Pennsylvania in 2019 and do not recall receiving any documentation from the State of PA, or Cumberland Co., Pennsylvania regarding this lien. I believe this amount owed may be from the tax year 2015, which was a period of financial stress and pending divorce for me. I have made attempts and intend to continue to make attempts to lower this debt, by both making payments ( when financially possible) and from any state tax refunds due to me in the past and in the coming years. My annual PA state tax filings are now all up to date, and I have been diligently payng my annual PA state taxes due, since becoming and remaining gainfully employed in 2018.

$49,861.42

Tax

I was unaware that a Internal Revenue tax lien was filed in Cumberland, Co., Pennsylvania in 2017 and do not recall receiving any documentation from the IRS, or Cumberland Co., Pennsylvania regarding this lien. I believe this amount owed may be from the tax year 2013, which was a period of financial stress and pending divorce for me. I have made attempts to lower this debt, from any Federal tax refunds due to me since 2018, and believe this debt is now approximately 90% satisfied. When this debt is satisfied which may occur in 2023, or 2024, I will request to have this lien removed from my record and notify FINRA. My annual Federal tax filings are now all up to date, and I have been diligently paying my annual U.S. Federal taxes due, since becoming and remaining gainfully employed in the year 2018.

$5,540.20

Tax

I was unaware that a PA state tax lien was filed in Cumberland, Co Pennsylvania in 2017 and do not recall receiving any documentation from the State of PA or Cumberland, Co., Pennsylvania regarding this lien. I believe this amount owed may be from the tax year 2013, which was a period of financial stress and pending divorce for me. I have made attempts and intend to continue to make attempts to lower this debt, by both making payments (when financially possible) and from any state tax refunds due to me in the past and coming years. My annual PA state tax filings are now all up to date, and I have been diligently paying my annual PA state taxes due, since becoming and remaining gainfully employed in 2018.

$4,938.04

Tax

I was unaware that a PA state tax lien was filed in Cumberland, Co Pennsylvania in 2017 and do not recall receiving any documentation from the State of PA or Cumberland Co., Pennsylvania regarding this lien. I believe this amount owed may be from the tax year 2014, which was a period of financial stress and pending divorce for me. I have made attempts and intend to continue to make attempts to lower this debt, by both making payments ( when financially possible) and from any state tax refunds due to me in the past and in the coming years. My annual PA state tax filings are now all up to date, and I have been diligently paying my annual PA state taxes due, since becoming and remaining gainfully employed since 2018.

$8,235.43

Civil

I was unaware that a lien was filed in York, Co., Pennsylvania in 2017, and do not recall receiving any documentation regarding this Midland funding LLC judgement. I believe this was an unpaid credit card balance from 2011( which was substantially lower than the judgement filed due to high penalties and interest charges)-which was a period of financial stress and pending divorce for me. The balanced owed was sold to 3 or different creditors during the 2011-2017 period, and I lost track of the status of this debt. It is my intention to contact Midland, LLC and to attempt to resolve this matter.

CLIENT ALLEGES THAT IN FEBRUARY 2008 SHE WAS ADVISED BY FINANCIAL CONSULTANT TO TRANSFER FUNDS FROM A FIXED ANNUITY INTO A MUTUAL FUND. SINCE THIS TRANSFER, THE MUTUAL FUNDS HAS LOST ONE THIRD OF ITS VALUE

$36,259.40

CLIENT ALLEGED THAT I WAS RESPONSIBLE FOR APPROX. 50K IN LOSSES FROM THE PERIOD OF 9/00 TO 4/4/01.HE ALLEGES THAT HIS PORTFOLIO WAS INVESTED TOO AGGRESSIVELY FOR HIS RISK TOLERANCE AND THAT HE ALSO HAD TOO HIGH OF A PERCENTAGE INVESTED IN ONE STOCK(EXTENDED SYSTEMS)HE ALSO ALLEGES THAT I SOLICITED HIM TO BUY STOCK ON MARGIN DURING THIS TIME PERIOD. I HAVE SUBMITED A PRELIMINARY REPORT TO UBS/PW COMPLIANCE TELLING MY SIDE AND DISPUTING THESE CLAIMS.I STRONGLY BELIEVE THAT I WILL BE ABLE TO OVERCOME HIS CLAIMS DURING ANY POTENTIAL ARBITRATION AND I ALSO BELIEVE HIS STATEMENT HAS MANY DECEPTIVE AND MISLEADING POINTS.

$50,000.00