Time Frame: January 3rd, 2023 to December 29th, 2023 What were the allegations against the individual? "The Co-Trustee alleges that the FA did not request her authorization on some stock sales. The Co Trustee further alleges instructions were not followed per her wishes.

Time frame: January 2013 - May 2023 Allegations: Claimant alleges unsuitability regarding recommendations made by the FA for products that did not meet Claimant's liquidity needs.

$400,000.00

Time Frame: April 2014 thru May 2017 Client alleges that their account was mismanaged and they were given incorrect/faulty information for over a three years period for which they based major financial decisions.

$36,747.84

Despite the fact that this case was settled, I deny the allegations. I believe that I informed the client as to the ramifications regarding withdrawals and their effect on their income rider. This matter was settled to avoid future litigation by the client and I was not asked to contribute towards the settlement of this matter

Time Frame: August 28, 2009 The client alleges her Financial Advisor failed to follow her instructions by liquidating her entire position instead of selling 1/6 of the position over a 6 month time period

$100,000.00

Despite the fact that this case was settled, I deny all allegations. I believe that the client accepted my recommendation to enter a stop loss sell order to protect a concentrated position. This matter was settled to avoid future litigation by the client and I was not asked to contribute towards the settlement of this matter.

CLAIMANTS ALLEGE THAT UBS & SAUNDERS FAILED TO PROPERLY ALLOCATE AND DIVERSIFY THEIR ACCOUNTS. TIME FRAME 2007-FEBRUARY 2011.

$200,000.00

$75,000.00

THE FIRM SETTLED THIS MATTER AS A BUSINESS DECISION IN ORDER TO AVOID THE UNCERTAINTY AND COSTS OF LITIGATION, WITHOUT ADMITTING LIABILITY. I WAS NOT ASKED TO PERSONALLY CONTRIBUTE ANY MONIES TOWARDS THE SETTLEMENT OF THIS MATTER

TIME FRAME: JANUARY 2, 2009 TO MARCH 31, 2009 THE CLIENT ALLEGES THAT THEIR FINANCIAL ADVISOR PLACED THEM IN INVESTMENTS WHICH WERE INAPPROPRIATE AND UNSUITABLE FOR THEM ESPECIALLY INVESTMENTS IN CLOSED END FUNDS AND ETF'S. THE ALLEGED DAMAGES ARE IN EXCESS OF $5,000.00

$5,000.00

I DO NOT BELIEVE THAT THE CLIENT'S COMPLAINT IS JUSTIFIED. THE CLIENT ACTIVELY PARTICIPATED IN ALL INVESTMENT DECISIONS AND EXPRESSED A DESIRE FOR MORE RISK THAT I THOUGHT APPROPRIATE FOR HIS SITUATION. AFTER SELLING HIS LEGACY SECURITIES, HISPORTFOLIO WAS INVESTED IN AT LEAST 14 DIFFERENT ASSET CLASSES, PRIMARILY THROUGH BROADLY DIVERSIFIED ETF'S. NOTE THAT CHANGES TO THE PORTFOLIO WERE MADE IN RESPONSE TO THE CLIENT'S CONCERNS ABOUT SHORT-TERM PERFORMANCE AND HIS REVISING THE MARKET OUTLOOK ON WHICH HIS PORTFOLIO WAS STRUCTURED, AFTER FULL DISCLOSURE OF ALL ASSOCIATED RISKS.