JOHN RALPH HOWARD is currently employed as a Broker and/or Investment Adviser at CETERA ADVISORS LLC located at 3715 NORTHSIDE PKWY BLDG 200 STE 490, ATLANTA, GA, 30327.
JOHN RALPH HOWARD has worked at CETERA ADVISORS LLC since October 03, 2016
Disclosure History
JOHN RALPH HOWARD has 1 Disclosure Event(s).
Date: May 17, 2002 Category: Employment Separation After Allegations Firm Name: PARK AVENUE SECURITIES Termination Type: Discharged Allegations: IN MARCH 2002, POLICYHOLDER/CLIENT CALLED ME AND SAID THAT HE WANTED TO PROCEED ON THE CONCEPT WE DISCUSSED CIRCA 1991 ON THE VARIABLE LIFE BASIS. CIRCA 1991, GEORGE MURDOCK, GENERAL AGENT FOR GUARDIAN, INDICATED THAT THE VARIABLE LIFE SALES MATERIAL HAD BEEN APPROVED. BECAUSE I WAS UNDER THE IMPRESSION THAT THE MATERIAL HAD PRIOR APPROVAL, I PULLED THE MATERIAL FROM THE FILE, UPDATED THE NUMBERS FROM A CURRENT VARIABLE UNIVERSAL LIFE COMPUTER ILLUSTRATION, AND MAILED IT TO THE CLIENT WITHOUT SENDING IF FOR A SECOND APPROVAL. Broker Comment: IN A PREVIOUS INTERNAL AUDIT BY PARK AVENUE SECURITIES, I HAD USED A SALES PHRASE (PRIVATE PENSION PLAN/SPECIAL PENSION PLAN) WHICH PARK AVENUE SECURITIES SAID VIOLATED THEIR POLICY AND I WAS INSTRUCTED NOT TO USE IT AGAIN AND I HAVE NOT.
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