FINANCIAL INDUSTRY REGULATORY AUTHORITY OFFICE OF HEARING OFFICERS DEPARTMENT OF ENFORCEMENT, Complainant, v. FREDERICK DAVID HOLLOWAY (CRD No. 248814), Respondent. Disciplinary Proceeding No. 2016050025401 Hearing Officer–DW AMENDED1 HEARING PANEL DECISION April 11, 2019 Respondent Frederick David Holloway improperly recommended variable annuity exchanges for dozens of clients. During a FINRA investigation into his conduct, Holloway responded to Rule 8210 requests for documents and information by

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018059922101 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Kajo Movsesian, Respondent, Registered Representative CRD No. 6762326 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, I submit this Letter of Acceptance, Waiver and Consent ("AWC") for the purpose of proposing a settlement of the alleged rule violations

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2015047201702 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Jamie Bennett, Respondent, General Securities Principal CRD No. 2740248 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent submits this Letter of Acceptance, Waiver and Consent ("AWC") for the purpose of proposing a settlement of the alleged rule violations

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018056465601 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Gelband & Co., Inc., Respondent BD No. 32599 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Gelband & Co., Inc. ("Gelband" or "Respondent") submits this Letter of Acceptance, Waiver and Consent ("AWC") for the purpose of proposing a settlement of the alleged rule violations

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2016050231901 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Voya Financial Advisors, Inc., Respondent CRD No. 2882 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Voya Financial Advisors, Inc., ("Voya" or the "Firm") submits this Letter of Acceptance, Waiver and Consent ("AWC") for the purpose of proposing a settlement of the

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2014042876501 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: James E. Bashaw, Respondent CRD No. 1251491 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, I, James E. Bashaw ("Bashaw" or "Respondent"), submit this Letter of Acceptance, Waiver and Consent ("AWC") for the purpose of proposing a settlement of the alleged rule violations

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018059336001 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Steven E. Zerbarini, Respondent General Securities Principal, General Securities Sales Supervisor, and General Securities Representative CRD No. 2845669 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, I, Steven E. Zerbarini ("Zerbarini"), submit this Letter of Acceptance, Waiver and Consent

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2017054565801 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Nelson Freyre-Gallardo, Respondent Former Registered Representative CRD No. 5020871 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, I, Nelson Freyre-Gallardo, submit this Letter of Acceptance, Waiver and Consent ("AWC") for the purpose of proposing a settlement of the alleged rule

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018058108001 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Erin Lynn Verespy, Respondent Registered Representative CRD No. 2727866 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, I, Erin Lynn Verespy ("Verespy" or "respondent") submits this Letter of Acceptance, Waiver and Consent ("AWC") for the purpose of

FINANCIAL INDUSTRY REGULATORY AUTHORITY OFFICE OF HEARING OFFICERS Department of Enforcement, Complainant, v. Brian Lawrence Stephan. (CRD No. 4222796) Respondent. Disciplinary Proceeding NO. 2014042022401 Hearing Officer – RES ORDER ACCEPTING OFFER OF SETTLEMENT INTRODUCTION Disciplinary Proceeding No. 2014042022401 was filed on August 17, 2018, by the Department of Enforcement of the Financial Industry Regulatory Authority (FINRA) (Complainant). Respondent Brian Lawrence Stephan