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Uno de los másexperimentados

Abogados especializados en fraude de inversiones, defensa de valores y arbitraje FINRA en todo el país

Abogado Pearce tiene más de décadas de experiencia de primera mano con las controversias de inversión en todo el país en los EE.UU., e internacionalmente. Somos uno de los más experimentados bufetes de abogados de arbitraje de valores FINRA en todo el país y hemos recuperado más de $ 175 millones en nombre de nuestros clientes.

Con más de 40 años de experiencia personal

$21,000,000 Fallo final por robo civil
$8,500,000 Acuerdo de fraude de bonos de corredores de bolsa
$8,200,000 Liquidación de la cuenta de margen del corredor de bolsa
$7,800,000 Liquidación del fraude en la opción de compra de acciones de un corredor de bolsa
$6,000,000 Liquidación de fraude de bonos y fondos de bonos de corredores de bolsa
$5,800,000 Laudo arbitral por fraude de corredor de bolsa
$5,500,000 Acuerdo de arbitraje de la FINRA
$5,000,000 Acuerdo de arbitraje FINRA
$4,300,000 Acuerdo de demanda colectiva ante el Tribunal Federal
$3,500,000 Acuerdo de la Corte del Estado de Florida
$3,350,000 Acuerdo de arbitraje de la FINRA
$3,200,000 Laudo arbitral de la FINRA
$2,750,000 Laudo arbitral de la FINRA

Las Oficinas Legales de Robert Wayne Pearce P.A., representa a clientes en todos los lados de los valores, los productos básicos y el fraude de inversión y otras cuestiones en una amplia gama de áreas de práctica en los tribunales de litigios, arbitraje, defensa de la SEC, y los procedimientos de mediación. Con sede en oficinas en Boca Ratón, Florida, corredor de bolsa abogado Robert Wayne Pearce y su equipo han manejado cientos de FINRA, AAA y JAMs valores de arbitraje y mediación de los casos de clientes satisfechos ubicados en muchos estados de EE.UU. en todo el mundo. Vea nuestras últimas investigaciones de corredores de bolsa aquí.

Vea más de nuestros resultados multimillonarios para los inversores
MÁS DE $175 MILLONES RECUPERADOS PARA CLIENTES Póngase en contacto con nuestros abogados para obtener ayuda en todo el país

Ayudamos a los inversores, asesores, corredores de bolsa, y proporcionamos defensa regulatoria

Elija sus necesidades de representación:

Conoce a nuestro equipo

Algunos abogados sólo trabajan para vivir: nosotros trabajamos... ¡por la justicia!

Las Oficinas Legales de Robert Wayne Pearce ha representado a los inversores en todo el mundo y en todo Estados Unidos. Nuestros abogados han recuperado más de $175 millones para sus clientes inversionistas en todo tipo de casos de fraude y mala conducta de corredores de bolsa.

Escuche a nuestros clientes

En las Oficinas Legales de Robert Wayne Pearce, P.A., creemos que el último barómetro de nuestro éxito es superar las expectativas de nuestros clientes.

Los siguientes clientes tienen conocimiento directo de los procesos de nuestra firma desde el interior y experimentaron nuestra feroz defensa.

Ver más testimonios de clientes

Escuche a nuestros clientes

  • "Bob Pearce es el Héroe Marvel de la vida real que lucha por los pequeños inversores contra las instituciones de corretaje que gestionan el dinero duramente ganado de los inversores de forma descuidada, y lo que es peor, realizan fraudes descarados."

    Bob Pearce es el héroe de Marvel de la vida real que lucha por los pequeños inversores contra las instituciones de corretaje que gestionan el dinero duramente ganado de los inversores de forma descuidada y, lo que es peor, cometen fraude descaradamente. Durante años, fuimos engañados por una empresa de corretaje que nos dijo que corregiría el error o nos compensaría por él. Sólo después de que empezamos a trabajar con Bob, nos dimos cuenta de lo poderoso y maravilloso que es tener un experto legal superior a tu lado. Bob es inmensamente detallista, conocedor, profesional y confiado. Estamos más que contentos con el resultado que Bob logró para nosotros en tan sólo unos meses. ¡Gracias, Bob!

    - Q Wang -
  • "Robert Pearce es parte de esa inusual raza de abogados que son capaces de crear empatía con los clientes y adoptar a fondo su causa"

    No hay esfuerzos a medias aquí. Él y su grupo de profesionales son destacados estrategas que pueden ejecutar con un fervor preciso y una determinación inquebrantable. La suya es una enorme ola de hechos, investigaciones, precedentes y preparación, que me ha impresionado por su minuciosidad y creatividad, y lo más importante, por los resultados. Ninguna piedra queda sin remover y nunca se ahorra ningún esfuerzo. En mi libro, él y ellos son los de un tipo muy raro que uno quiere mantener por mucho tiempo.

    - Ramón Flores-Esteves -
  • "Al igual que la canción de HAMILTON, es tan agradable tener a Bob Pearce de tu lado".

    Al igual que la canción de HAMILTON, es tan agradable tener a Bob Pearce de tu lado. Es el abogado consumado del demandante: inteligente, dedicado, totalmente capaz de llevar un caso pero un gran negociador en una mediación. Hizo un trabajo maravilloso para nosotros, apoyándonos completamente a través del proceso y más que mantenerse en contra de un gran bufete de abogados nacional.

    - Maurice Z. -
  • "El Sr. Pearce y su personal superaron todas nuestras expectativas."

    El Sr. Pearce y su personal superaron todas nuestras expectativas. Pudimos llegar a un acuerdo que fue de nuestra completa satisfacción, todo dentro de un proceso muy fluido, profesional y eficiente. El Sr. Pearce es ahora no sólo nuestro abogado, sino también nuestro amigo de la familia. ¡Le recomendamos encarecidamente a él y a su equipo!

    - Severiano L. -
  • "Para la mejor oportunidad de lucha, Robert Pearce es el abogado que quieres en tu esquina."

    Este bufete de abogados es el verdadero negocio. Tuvimos tanta suerte de que aceptaran nuestro caso, ya que tienen tanta experiencia en valores y en todas las fechorías que ocurren en estas compañías de inversión donde te engañan a ti y a tu dinero (como en nuestro caso) en esquemas que no son lo que tú crees que son. El Sr. Robert Pearce es uno de los mejores abogados que hay, un verdadero profesional que luchará por usted y le dirá cómo es todo el tiempo. No podríamos haber pasado por esta experiencia si no fuera por todo el asesoramiento, la orientación y el apoyo que él y todo su personal y asociados aportaron al juego. Para la mejor oportunidad de lucha, Robert Pearce es el abogado que quieres en tu esquina.

    - Astrid M. -
  • "Nunca se sintió intimidado y su estudio del caso y la perseverancia prevalecieron en todo momento".

    El abogado Robert Pearce fue nuestro abogado en un caso contra una firma de corretaje y soy testigo de su capacidad e inteligencia para tratar con los abogados de la firma de abogados más prominente de Nueva York que fue la clave para recuperar gran parte de nuestras pérdidas animadas por su negligencia. Nunca se sintió intimidado y su estudio del caso y perseverancia prevalecieron en todo momento.

    - José A. C. -
  • "Al final, Bob y yo fuimos los últimos en reír cuando los árbitros me concedieron casi 6 millones de dólares."

    Ningún abogado, excepto Bob, dijo que tenía una oportunidad de ganar. Cuando los abogados de UBS se rieron y me ofrecieron cero para resolver la disputa, Bob se determinó aún más para probar que todos estaban equivocados. Bob estaba extremadamente preparado, y siempre un paso adelante de los abogados de la oposición durante todo el arbitraje. Al final, Bob y yo fuimos los últimos en reír cuando los árbitros me otorgaron casi 6 millones de dólares.

    - J. Blanco -
  • "Cada reunión y llamada telefónica se hizo con dedicación y deseo de ayudar a nuestra familia en cada paso del camino."

    El equipo de Robert es excelente. Son muy competitivos en lo que hacen y son muy responsables. Cada reunión y llamada telefónica se hizo con dedicación y deseo de ayudar a nuestra familia en cada paso del camino. Su profesionalismo, responsabilidad y empatía nos aseguraron que estábamos en buenas manos. Recomiende a todos.

    - Mayra A. -

Casos e investigaciones

Regulation D Lawyers (Reg. D Offerings)

Regulation D is just one of the exemptions that fraudsters commonly rely upon in an attempt to avoid disclosure of important facts relating to a company that might have influenced your investment decision. According to Attorney Pearce, the private nature of the investment has given many unscrupulous brokers the opportunity to profit by selling away these unauthorized products due to many brokerage firms’ lack of supervision of their sales force. These investments pose the greatest number of risks to investors, have no liquidity, pay highest commissions, and have caused investors to lose billions of dollars. These securities offerings are generally exempt from registration under the Federal and state securities laws if the issuer complies with the strict letter of the laws. Get Representation from a Lawyer with Unparalleled Experience Regarding Regulation D-related Fraud Private Placements have historically been the first source of financing of many of our greatest companies in America. Unfortunately, they have also been the number one source of investment fraud in America. The good news for victims of such frauds is that the attorneys at The Law Offices of Robert Wayne Pearce, P.A. have over 40 years experience investigating and prosecuting the perpetrators of these type of scams. Representing Clients Nationwide Although the private placement market is an important source for small business growth, investors must be wary of fraud, illiquidity, valuation figures, sales practice abuses, and marketing materials issued with inaccurate statements or omitted information pertinent to making a sound investment decision. The following are some of the primary risks associated with investing in private placements: If a broker-dealer lacks important information about a private placement issuer or its securities it is recommending, the broker-dealer must disclose this fact along with the risks that arise from a lack of information. However, a broker-dealer is not permitted to rely blindly upon an issuer for information about a company, nor may it rely on information given by the issuer or its counsel in the place of conducting its own reasonable investigation. Broker-dealers are required to exercise a high degree of care in investigating and verifying an issuer’s representations and claims. Even if a broker-dealer’s customers are sophisticated and well-educated investors, it does not obviate their duty to conduct a reasonable investigation. For more information about Private Placements/ Reg. D Offerings and our cases and investigations, click on the links below: FREE INITIAL CONSULTATION WITH PRIVATE PLACEMENT AND REGULATION D INVESTMENT DISPUTE ATTORNEYS The Law Offices of Robert Wayne Pearce, P.A. understands what is at stake in Private Placement and Regulation D investment law matters and constantly strives to secure the most favorable possible result. Attorney Pearce provides a complete review of your case and fully explains your legal options. The firm works to ensure that you have all of the information necessary to make a sound decision before any action is taken in your case. For dedicated representation by a law firm with substantial experience in all kinds of securities, commodities and investment disputes, contact us at 561-338-0037 or toll free at 800-732-2889 or via e-mail.

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Abogado de productos estructurados

The Structured Products Lawyers at The Law Offices of Robert Wayne Pearce, P.A., specialize in representing investors who have suffered losses due to structured products and complex derivatives. With over 40 years of experience, our team of highly skilled attorneys understands the intricacies of these sophisticated financial instruments and the legal challenges they present, and we can help you recover losses from these structured notes. Structured products and complex derivatives are often misunderstood and misrepresented by financial advisors, leading to significant investment losses for unsuspecting clients. Our firm has a proven track record of successfully handling cases involving a wide range of structured notes, including auto-callable notes, market-linked notes, and equity-linked securities. To speak with Attorney Pearce, call (800) 732-2889 or Contact Us online for a FREE INITIAL CONSULTATION with Attorney Pearce about your case. We offer comprehensive legal services for investors who have been affected by: Our team is well-versed in FINRA arbitration and mediation proceedings, and we pursue claims for fraud, misrepresentation, breach of fiduciary duty, and failure to supervise. We work tirelessly to secure the best possible outcome for our clients, operating on a contingency fee basis to ensure that justice is accessible to all. If you’ve experienced losses due to structured products or complex derivatives, don’t hesitate to reach out. Contact The Law Offices of Robert Wayne Pearce, P.A. for a free initial consultation and let our experienced securities law attorneys fight for your rights and recover your investment losses. Can We Help Sue YourFinancial Advisor For Structured Note Investment Losses? Yes, we might be able to sue your financial advisor for structured note investment losses for one or more of the following reasons: What Are Structured Products? Structured products are securities derived from or based on a single security, a basket of securities, an index, a commodity, a debt issuance and/or a foreign currency. They are a hybrid between two asset classes typically issued in the form of a corporate bond or a certificate of deposit but instead of having a pre-determined rate of interest, the return is linked to the performance of an underlying asset class. As this definition suggests, there are multiple types of structured products. These variations include certain products offering full protection of the principal invested while others may offer limited or no protection of principal. For a full detailed description of structured products, read our page here: https://www.secatty.com/legal-blog/structured-notes/ At The Law Offices of Robert Wayne Pearce, P.A. we understand the features and risks of structured products. They are complex investments that often involve terms, features and risks that can be difficult for individual investors and investment professionals alike to evaluate. We have over 40 years experience representing domestic and foreign investors from offices located in Boca Raton, West Palm Beach, and Fort Lauderdale, Florida in courts, arbitrations and mediations nationwide. Contact us for a free consultation if you already have a dispute or problem with a structured product investment. If not, consider the following before you make any investment in structured product securities: Are Structured Notes Suitable Investments? Let me answer that question this way, a particular structured note may be suitable for somebody but not everybody. With regard to the more common structured notes being offered by the major financial institutions these days, they are not suitable for individuals seeking an investment that: They are not suitable investments if you are someone who: Have You Suffered Structured Note Investment Losses? Unfortunately, the lure of higher commissions have in recent years provided added incentives to stockbrokers to recommend structured notes to investors, including those for whom they were inappropriate, too risky, or never in alignment with their investment goals, including, the following types of structured notes: It’s a shock to many investors who sought to avoid market volatility by investing in structured notes. Many who thought they would receive a steady stream of income and guaranteed return of principal have suffered sharp and unexpected losses in structured notes with “reference assets” like Peloton, ARK, Alibaba, Meta(Facebook), Zillow, Yeti, etc. Depending on the other features of those structured notes, the loss of income and principal could be realized permanently. How We Can Help Recover Structured Note Investment Losses At The Law Offices of Robert Wayne Pearce, P.A., we represent investors in all kinds of structured note investment disputes in FINRA arbitration and mediation proceedings. The claims we file are for fraud and misrepresentation, breach of fiduciary duty, failure to supervise, and unsuitable recommendations in violation of FINRA rules and industry standards. There is no way you will recover your structured note investment losses without some legal action. However, Attorney Pearce and his staff represent investors across the United States on a CONTINGENCY FEE basis which means you pay nothing – NO FEES-NO COSTS – unless we put money in your pocket after receiving a settlement or FINRA arbitration award. CONTACT OUR STRUCTURED PRODUCT LAWYER The Law Offices of Robert Wayne Pearce, P.A. have highly experienced structured produce loss lawyers who have successfully handled many structured note cases and other securities law matters and investment disputes in FINRA arbitration proceedings, and who work tirelessly to secure the best possible result for you and your case. For dedicated representation by an attorney with over 40 years of experience and success in structured product cases and all kinds of securities law and investment disputes, contact the firm by phone at 561-338-0037, toll free at 800-732-2889 or via e-mail.

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Un abogado explica: Los riesgos de los pagarés/productos estructurados

Risks to Consider When Investing in Structured Notes/Products As an investor, you must be fully aware of the associated risks and whether structured notes fit within your investment parameters. Robert Pearce, Attorney at the Law Offices of Robert Wayne Pearce, P.A. will explain these risks to you. He is a highly experienced investment fraud lawyer who has successfully handled many structured note cases and other complex securities and investment law matters. What are structured products? More detail here Features of a particular structured product, dependent upon the type of products issued, that you as an investor should consider when determining its general suitability: Structured Product Credit Risk: Structured products are unsecured debt obligations of the issuer. As a result, they are subject to the risk of default by the issuer. The creditworthiness of the issuer will affect its ability to pay interest and repay principal. The financial condition and credit rating of the issuer are, therefore, important considerations. The credit rating, if any, pertains to the issuer and is not indicative of the market risk of the structured product or underlying asset. If a structured issue provides principal protection or a minimum return, any such guarantee rests on the credit quality of the issuer. Those issued by banks in the forms of CDs may also provide FDIC insurance with standard coverage limitations. Structured Product Liquidity Risk: Structured products are generally not listed on an exchange or may be thinly traded. As a result, there may be a limited secondary market for these products, making it difficult for investors to sell them prior to maturity. Investors who need to sell structured products prior to maturity are likely to receive less than the amount they invested. Therefore, structured products with longer maturities are subject to greater liquidity risk. The price that someone is willing to pay for structured products in a secondary sale will be influenced by market forces and other factors that are hard to predict. Sometimes, a broker-dealer affiliate of the issuer may make a market for the resale of structured products prior to maturity but the price it is willing to pay will be adversely affected by the commissions paid by the issuer on the initial sale of the structured products and the issuer’s hedging costs. Some structured products have lock-up periods prohibiting their sale during such periods. Persons who invest in structured products should have the financial means to hold them until maturity. Structured Product Pricing Risk: Structured products are difficult to price since their value is tied to an underlying asset or basket of assets and there typically is no established trading market for structured products from which to determine a price. Structured Product Income Risk: Structured products may not pay interest (or may not pay interest in regular amounts or at regular intervals), so they are not appropriate for investors looking for current income. Because the return paid on structured products at maturity is tied to the performance of a basket of assets and will be variable, it is possible that the return may be zero or significantly less than what investors could have earned on an ordinary, interest-bearing debt security. The return on structured products, if any, is subject to market and other risks related to the underlying assets. Structured Product Complexity and Derivatives Risk: Structured products typically use leverage, options, futures, swaps and other derivatives, which involve special risks and additional complexity. Structured Product Pay-Out Structure Risk: Some structured products impose limits, caps and barriers that affect their return potential. With barriers, a structured product may not offer any return if a barrier is broken or breached during the term of the structured product. Conversely, some structured products may not offer any return unless certain thresholds are achieved. Some structured products impose maximum return limits so even if the underlying assets generate a return greater than the stated limit or cap investors do not realize that excess return. Structured products also have participation rates that describe an investor’s share in the return of the underlying assets. Participation rates below 100% mean that the investor will realize a return that is less than the return on the underlying assets. Structured Product Volatility and Historical Performance of Underlying Asset(s): Past performance of an underlying asset class is not indicative of the profit and loss potential on any particular structured product. The value of the underlying assets can experience significant periods of fluctuation and prolonged periods of underperformance. Structured Product Costs and Fees: Costs and fees associated with the purchase of a structured product vary. Structured Product Tax Considerations: Structured products may be considered “contingent payment debt instruments” for federal income tax purposes. This means that investors will have to pay taxes each year on imputed annual income based on a comparable yield shown in the final term sheet or prospectus supplement. In addition, any gain recognized upon the sale or exchange, or at maturity, of these products will generally be treated as ordinary income. This especially pertains to principal protected issues. Please consult your tax advisor for guidance. Additional vulnerabilities may include loss of principal and the possibility that at maturity the investor will own the underlying asset at a depressed price. Interest rates and time remaining until maturity are all factors that may affect the value of the structured product. As with any investment selection, structured products should be purchased as a limited percentage of your portfolio and overall investable assets.

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Abogados especializados en inversiones y valores

Somos un bufete de abogados de valores reconocido a nivel nacional

Con un exitoso historial de recuperación de las pérdidas de inversión

El abogado Pearce es un respetado defensor de los inversores en toda la comunidad legal, conocido como un feroz litigante e incansable no sólo en Boca Ratón, sino en toda la Florida y en todo el país. Lea su Blog de Derechos de los Inversionistas y descubra la amplitud de sus conocimientos que sólo se puede obtener de más de 40 años de experiencia legal por sí mismo. Como uno de los más experimentados abogados de arbitraje FINRA, el Sr. Pearce conoce todas las opciones disponibles para su caso y las perseguirá vigorosamente para asegurar el mejor resultado posible para usted y su caso de fraude de corredores de bolsa y la mala conducta de los corredores de bolsa. Él ha ganado una calificación de pares de AV Preeminente * a través del proceso de calificación de revisión por pares Martindale-Hubbell, la más alta calificación disponible a través de ese programa.

El Sr. Pearce es uno de los Súper Abogados de Thomson Reuters Florida ** para Litigios de Valores (Top 5). Lea el artículo sobre él en la revista de Súper Abogados de Florida 2014 titulado: "Sin excusas - Cómo Robert Wayne Pearce miró fijamente un desastre personal".

Durante sus más de 40 años de experiencia en la práctica del derecho de valores y productos básicos, ha ganado numerosos premios y acuerdos millonarios para sus clientes, lo que le ha valido el reconocimiento por su éxito del Million Dollar Advocates Forum y del Multi-Million Dollar Advocates Forum como uno de los mejores abogados litigantes de América TM***.

Al contratar a Robert Wayne Pearce, un abogado con más de 40 años de experiencia ejerciendo en el área de valores, materias primas y fraude de inversiones a ambos lados de la mesa en arbitrajes y litigios en los tribunales, verá claramente su experiencia y conocimientos legales en acción. Al contar con un litigante feroz y un defensor incansable de sus derechos, un abogado que identificará rápidamente tanto las fortalezas como las debilidades de su caso, seguramente aumentará las probabilidades de ganar su caso.

Blog jurídico

¿Qué se considera incumplimiento del deber fiduciario?

Breach of fiduciary duty occurs when a person or entity in a position of trust (the fiduciary) fails to act in the best interests of another party (the principal). Given that fiduciary duty is the highest legal standard of care, any failure to uphold this responsibility can have severe consequences and monetary losses for those who have been entrusted with a fiduciary duty. Breach of fiduciary duty involves violating the fiduciary’s obligation to prioritize the principal’s interests over their own. Common examples include self-dealing, conflicts of interest, misappropriation of funds, and failure to disclose important information. Fiduciary relationships exist in various contexts, such as between trustees and beneficiaries, directors and shareholders, lawyers and clients, and guardians and wards. Stockbrokers and financial advisors often have fiduciary duties to their clients, requiring them to provide suitable investment advice and manage assets responsibly. What constitutes a breach of fiduciary duty? To prove that breach of fiduciary duty has occurred, the principal must typically demonstrate the existence of a fiduciary relationship, breach of fiduciary obligation, and resulting damages. Remedies may include monetary compensation or equitable relief. In the financial sector, breaches can lead to regulatory penalties and loss of professional licenses. See below for the detailed information you are looking for. Investment Losses? We Can Help The Law Offices of Robert Wayne Pearce, P.A., offers free consultations on breach of fiduciary duty cases. Give us a call at (800) 732-2889. Let’s discuss your case and see what we can do to help you get the compensation you need and deserve. Investment loss? Let’s talk. or, give us a ring at 561-338-0037. How Do You Prove Breach of Fiduciary Duty – Four Elements of a Breach of Fiduciary Duty Case To prove a breach of fiduciary duty, four key elements must be demonstrated: the existence of a fiduciary duty, a violation of that duty, resulting harm, and a causal connection between the breach and the harm. Duty – There Exists a Fiduciary Duty There must be an established fiduciary relationship between you and the other party for the fiduciary to owe you a duty. To hold a fiduciary accountable to their standard of care, it is essential to demonstrate that they knowingly accepted the role. This is typically shown through a written agreement between the parties, such as a customer agreement. Breach – There Was a Violation of This Duty Fiduciaries are required to work in the best interests of their clients, and any deviation from this standard may constitute a breach. To demonstrate a breach of fiduciary duty, one must have evidence that the individual holding this responsibility acted negligently or maliciously—or prioritized their own interests over yours. This can include lost investments, diminished value of your assets, outright theft, decisions made without your consent, or failure to carry out one’s fiduciary responsibility. You can also prove a breach through the fiduciary’s failure to act—for example, not disclosing a conflict of interest. It is best to speak with an investment fraud lawyer to determine if your fiduciary failed in their responsibility and contributed to your losses. Damages – The Breach of Duty Resulted in Harm to You For there to be a legitimate claim of breach of fiduciary duty, the breach must have caused you to suffer damages. Proving there was a breach is not enough for a valid claim of breach of fiduciary duty. Unless you can demonstrate how the violation of fiduciary duty directly caused you to suffer damages, your claim may not be successful. Damages can be either economic or non-economic, such as mental anguish.  Causation – There is a Connection Between the Breach and the Harm There must be a direct link between the fiduciary’s breach and harm to you. If you incurred damages that cannot be connected to the individual’s breach, your claim may not be successful. Breach of Fiduciary Duty Examples Breaches of fiduciary duties can take many forms. A fiduciary must act in the best interests of their client. When they fail to do so, serious harm can result. Examples of a breach of fiduciary duty include misrepresentation or failure to disclose information, excessive trading, unsuitable investments, failure to diversify, and failure to follow instructions. Misrepresentation or Failure to Disclose Information If a financial advisor does not present a client with all material information about an investment, this is a breach of fiduciary duty. Material information is what a reasonable investor would consider important when deciding whether to invest.  Sometimes financial advisors will mislead investors by omitting information, such as risk factors or any negative information about a stock.  Excessive Trading Excessive trading, also known as churning, in your account is a breach of fiduciary duty. Financial advisors or stockbrokers will make large numbers of trades solely to generate more commissions for themselves.  Unsuitable Investments Financial advisors must “know their customer” before making investment recommendations. This includes understanding the client’s investment objectives, risk tolerance, time horizon, financial standing, and tax status. The advisor breaches their fiduciary duty if they make an unsuitable investment, even with the best intentions.  Failure to Diversify Your financial advisor must recommend a mix of investments so that your assets are properly allocated among various asset classes and industries. Failing to diversify your portfolio puts you in a position of great risk and is a breach of fiduciary duty. If your assets are over-concentrated in a particular stock or sector, you may experience significant losses if the company or industry does not perform well.  Failure to Follow Instructions When you give instructions to your financial advisor, they have the fiduciary duty to promptly perform your orders. If your advisor fails to follow your instructions in a timely manner and you suffer financial losses, you can recover. Can You Pursue a Lawsuit for a Breach of Fiduciary Duty? Yes, you can pursue a lawsuit for a breach of fiduciary duty. You will need to speak with an investment fraud lawyer to determine if your fiduciary failed in their responsibility and contributed to your losses. It is important that you prove there was a breach, damages were caused, and the breach was directly...

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¿Qué son los pagarés estructurados en la inversión? Un abogado lo explica

What are Structured Notes? Structured Notes are investments which often combine securities of different asset classes as one investment for a desired risk and return over a period of time. They are complex investments that are often misunderstood by not only investors but the financial advisors who recommend them.  Structured notes are manufactured by financial institutions in all sizes and shapes. Generally, a structured note is an unsecured obligation of an issuer with a return, generally paid at maturity, that is linked to the performance of an underlying asset, such as a securities market index, exchange traded fund, and/or individual stocks. The return on the structured note will depend on the performance of the underlying asset and the specific features of the investment being made. The different features and risks of structured notes can affect the terms and issuance, returns at maturity, and the value of the structured product before maturity. They may have limited or no liquidity before maturity. Before investing, you better make sure you understand the terms and conditions and risks associated with the structured note being offered. Structured Notes Specifics Structured notes are often represented as investments being guaranteed by large financial institutions. Indeed, the top issuers of structured notes in 2021, Goldman Sachs (12.75%), Morgan Stanley (12.70%), Citigroup (12.46%), J.P. Morgan (11.92%), UBS (80.47%), Credit Suisse (4.99%), RBC (4.45%), Bank of America (3.90%), Scotiabank (3.89%), are some of the largest financial institutions in the world. It’s important to understand that although the benefits of owning structured products may be guaranteed to be paid by one of those large financial institutions, the amount of interest or principal being guaranteed is dependent upon the features of the product being sold; that is, the specific terms and conditions of the investment contract being purchased. In this low-interest rate environment the most popular structured notes being offered are structured notes with principal protection and income features. Some of the structured notes offer full principal protection, but others offer partial or no protection of principal at all. Some structured notes offer higher rates of interest that may be paid monthly and then suddenly stop paying any interest at all because payment was contingent upon certain events not happening. It all depends on the terms and conditions of the investment contract being purchased, which is why you must read the term sheet or better yet the prospectus to understand the nature, mechanics and risks of the structured note being sold. Structured Notes Features You need to understand that there are many key terms beyond the words “guarantor” and “guaranteed” which are used often to describe structured notes. You need to ask about and be sure to understand the following features of the structured notes being offered: Talk to an Attorney Before Investing in Structured Notes Structured notes are a type of investment that can offer higher returns than traditional investments, but they also come with more risks. If you’re thinking about investing in a structured note, it’s important that you understand how these products work before making a decision. Robert Pearce, Attorney at the Law Offices of Robert Wayne Pearce, P.A. is a highly experienced investment fraud lawyer who has successfully handled many structured note cases and other complex securities and investment law matters. He will explain structured notes in more detail below this image. What are the Different Types of Structured Notes? There are different types of structured notes, but they all have one goal in common: to give the investor a higher return than what they would get from a traditional investment, like a savings account or government bond. Structured notes can be created with different underlying assets, including stocks, bonds, commodities, and even currencies. The most common type of structured note is the principal protected note, which is designed to protect the investor’s original investment while still offering the potential for growth. Underlying Asset Categories of Structured Notes: Index: The performance of a selected index is used as a reference asset for some structured products. An index is a statistical measure of change in a securities market and the particular index selected varies by product and issuer. The S&P 500 and Dow Jones Industrial Average are two well known examples, but narrower types of indices may be used, such as those relating to particular sectors or regions. Currency: A selected group or basket of currencies whose weighted average is used as a reference asset for some structured products. The number of and particular currencies selected vary by product and issuer. The Euro and Yen are examples. Commodity: A selected, basic good or group of goods whose value is used as a reference asset for some structured products. The type and number of commodities selected vary by product and issuer. Grains, gold, oil and natural gas are examples. Interest Rates and Yields: Bond indices, yield curves, differences in prevailing interest rates on shorter and longer-term maturities, credit spreads, inflation rates and other interest rate or yield benchmarks are used as a reference asset for some structured products. Other types of structured notes include: How do Structured Notes Work? Structured notes are created by banks and other financial institutions. The issuer of the note will bundle together different types of securities, such as stocks, bonds, and commodities. The way these assets are bundled together will create the desired risk and return for the investor over a period of time. All structured notes have two parts: a bond component and a derivative component. Most of the note is invested in bonds for principal protection, with the rest allocated to a derivative product for upside potential. The derivative product investment allows exposure to any asset class. It’s important to remember that a structured note is a debt obligation. The issuer of the structured note typically pays interest or dividends to the investor, similar to a bond, during the terms of the notes. This makes this type of investment seem safe and secure to many investors. However, there is always the potential for...

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