年金和保险类档案 - 投资欺诈律师出版的投资者律师博客 - Shepherd Smith Edwards＆Kantas，LLP

德克萨斯证券bob200体育：SEC表示，地方法院误认为不强迫SIPC为斯坦福庞氏骗局行事

Published on:2013年1月19日 | 经过Shepherd Smith Edwards＆Kantas，LLP

Addressing the U.S. Court of Appeals for the District of Columbia Circuit, the Securities and Exchange Commission maintains that a lower court was wrong to deny the agency’s bid to compel the Securities Investor Protection Corporation to act on behalf of investors who were victimized by the Allen R. Stanford Ponzi scam. Thousands of investors sustained losses as a result of the scheme. Meantime, Stanford is serving 110 years behind bars for running the $7 billion scheme that involved certificate of deposit sales issued by his Stanford International Bank in Antigua.

“Stanford Securities was a Houston-based firm which sold uninsured CD’s issued by foreign firms to investors all over the world,” said德克萨斯证券bob200体育欺诈律师威廉·谢泼德（William Shepherd）。“它的创始人在联邦法院受到了证券欺诈的审判，并被判处一bob200体育生中没有假释的一生。投资者几乎没有回来，与巴纳德·麦道夫（Barnard Madoff）犯下的庞氏骗局的受害者不同，他们无法从SIPC中恢复最多500,000美元。”

It was last summer that the U.S. District Court for the District of Columbia noted the preponderance of the evidence standard and found that investors that had bought CD’s from Stanford’s Antigua bank were not, under the meaning of the Securities Investor Protection Act, “customers” of Stanford Group Co., which was Stanford’s brokerage firm in the US. Had that court ruled otherwise, SIPC would have to start liquidation proceedings for the broker-dealer and some 21,000 Stanford CD purchasers could have sought reimbursement through SIPC claims.

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德克萨斯州证bob200体育券欺诈涉嫌向老年人出售据称为虚假年金

Published on:2011年12月14日 | 经过Shepherd Smith Edwards＆Kantas，LLP

两个人被指控德州证券欺诈bob200体育涉及向老年人出售虚假年金。当局逮捕了53岁的休斯顿男子莱昂·兰迪·辛克莱三世（Leon Randy Sinclair III），罪名是通过欺骗，盗窃信托财产和洗钱。据称，辛克莱（Sinclair）和他的总部位于圣安东尼奥（San Antonio）的业务合作伙伴路德·皮尔斯·亨登（Luther Pierce Hendon）将投资政策的资金转移到了自己的银行帐户中。

据报道，数十名老年人从他们的人生中储蓄了，而两名男子据称偷走了数百万美元。老年客户被卖掉了慈善礼物年金，他们认为这将为未来节省。不幸的是，根据针对亨登和辛克莱的刑事投诉，他们投资的钱实际上交给了两个人。

Annuities

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年金投资者不应依靠集体诉讼来恢复其损失

Published on:2009年2月14日 | 经过Shepherd Smith Edwards＆Kantas，LLP

成千上万的投资因素损失了全国人寿保险公司Axa Equialitailita Life Insurance Co.发行的年金AIG SunAmerica Life Assurance Co.，以及可变的年金人寿保险公司。代表这些投资者提起了集体诉讼，但是，正如过去十年中数百万投资者发生的那样，他们现在也成为国会和法院的受害者。

Investors who do not “opt out” of class actions in securities cases can severely harm their chance of ever recovering. It may be best for those with small or weak claims to let the class action lawyers get rich, while only sending them a few “pennies on the dollar” (The average securities class action produces less than 10% net recovery to investors). It is better than nothing, but those who lost hundreds of thousands or millions of dollars should consult an attorney of their own. It is also best if they go to one who will not charge them to review their options.

州证券法，以bob200体育及欺诈，过失或违反合同和信托义务的索赔，通常是投资者恢复的最佳途径。但是，华尔街已经设法说服国会将证券集体诉讼限制在联邦证券法律，并根据这些联邦法律将投资者的权利局限于态度。bob200体育幸运的是，投资者可以根据州法律采取行动。

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经纪交易商获得新规则管理递延变量年金销售

Published on:2007年11月8日 | 经过Shepherd Smith Edwards＆Kantas，LLP

经纪交易商已准备好应对新规则的延期变量年金（VAS）销售。

金融行业监管机构Inc.规则2821最终于9月7日得到证券交易委员会的批准。该规则自2004年以来一直在工作。本周将发出的正式监管通知书，为经纪公司提供六个月的经纪公司bob200体育遵守。该规则预计将在2008年5月或6月生效。

规则2821有四个关于出售递延变量年金和变量年金交换的规定。该规则对销售产品的适用性要求。这也使校长必须在七个工作日内和客户申请转发给保险公司之前查看交易。

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更新：保险公司是否使用骗局艺术家向老年人出售不合适的年金？

Published on:2007年7月8日 | 经过Shepherd Smith Edwards＆Kantas，LLP

根据政府会计办公室（GAO）的说法，超过65岁的美国人持有超过15万亿美元的资产，而随着“婴儿潮一代”的退休年龄，这一数字很可能会激起。作为包括保险公司在内的金融公司，设计针对这罐黄金的产品，骗局艺术家舔了他们的排骨，以采取行动。不幸的是，他们的道路交叉。

正如我们最近报道的那样，夏威夷的一名联邦法官驳回了针对米德兰国家保险的集体诉讼诉讼，称，由于不同的销售人员使用了不同的销售投票，因此夏威夷老年人的索赔无法前进。同时，监管机构警告说，骗局艺术家正在向老年人出售保险产品。因此，看来保险公司可以简单地看另一种方式，而骗子艺术家则使用年金来伤害老年人。[我们的公司一次追求一次避免此问题。]

《纽约时报》今天的一篇文章报道说，马萨诸塞州保险代理商成为了“认证的高级顾问”，然后向退休人员宣传了这一点和其他证书。但是，他没有提到自己的头衔很容易：他为信函课程支付了1,095美元，然后参加了愚蠢的问题进行多项选择考试。自1997年以来，代理商和其他18,700名其他申请人通过了该课程。

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老年人的诉讼法官声称他们被误导为年金损失

Published on:2007年7月8日 | 经过Shepherd Smith Edwards＆Kantas，LLP

美国地方法院的一名法官裁定，尽管保险公司有潜在的误导性和欺骗性诉讼，但在年金中损失的人不能对年金保险公司提起诉讼。[Yokoyama等。与米德兰国家人寿保险公司。]

代表原告的律师据称被告米德兰国家人寿保险公司（Midland National Life Insurance Company）被告出售了夏威夷老年人固有的不适合，欺骗性的年金产品，旨在掩盖早期合同取消合同的真正成本。

The court cited two reasons it denied the class action against Midland. The first was that, whether or not Midland’s actions were misleading or deceptive, different sales pitches by different insurance salespersons were made to those purchasing the annuities, therefore the investors did not have similar claims. The second, said the judge, was that the losses were not caused by the alleged misleading actions, but by changes in the securities market.

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NASD说，年金销售欺诈正在增长。

Published on:2007年6月6日 | 经过Shepherd Smith Edwards＆Kantas，LLP

The National Association of Securities Dealers has issued an “Investor Alert” warning of a rise in deceptive sales practices in the sale of annuities to senior citizens

The NASD also states that consumer confusion about annuities has also risen. “This is due, in part, to questionable or deceptive sales practices employed by companies and agents looking to take advantage of uninformed consumers,” it adds.

An “annuity” is defined in the release as “a contract in which an insurance company makes a series of income payments at regular intervals in return for a premium or premiums you have paid.”

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