JOSEPH HOWARD SPANO is currently employed as a Broker and/or Investment Adviser at TRANSAMERICA FINANCIAL ADVISORS, INC located at 500 VIRGINIA ST E, SUITE 1001, CHARLESTON, WV, 25301.
JOSEPH HOWARD SPANO has worked at TRANSAMERICA FINANCIAL ADVISORS, INC since January 23, 2018
Disclosure History
JOSEPH HOWARD SPANO has 4 Disclosure Event(s).
Date: December 01, 2017 Category: Customer Dispute Allegations: CUSTOMER ALLEGES HE HAS BEEN ASSESSED RIDER CHARGES BUT THE INCOME PROTECTOR BENEFIT WAS NEVER TURNED ON AND INSTEAD SYSTEMATIC WITHDRAWALS WERE MADE BEGINNING IN MARCH 2014 AND WAS CHARGED CDSC CHARGES IN OCTOBER 2016 Settlement Amount: $3,093.79
Date: February 25, 2015 Category: Employment Separation After Allegations Firm Name: VOYA FINANCIAL ADVISORS Termination Type: Permitted to Resign Allegations: REPRESENTATIVE WAS PERMITTED TO RESIGN FROM THE FIRM WHILE VARIABLE ANNUITY REPLACEMENT PAPERWORK PREVIOUSLY SUBMITTED BY THE REPRESENTATIVE WAS BEING INTERNALLY REVIEWED FOR POTENTIAL INACCURACIES Broker Comment: REPRESENTATIVE CLAIMS HE WAS NEVER INFORMED OF ANY INVESTIGATION AND SIMPLY TOOK A POSITION WITH ANOTHER FIRM. TO THE BEST OF HIS KNOWLEDGE ALL PAPERWORK WAS SUBMITTED THROUGH THE BROKER/DEALER AND REVIEWED AND APPROVED BY A REGISTERED PRINCIPAL OF THE FIRM. EVERY FORM SUBMITTED WAS APPROVED AT THE TIME OF SALE, AND THERE HAVE BEEN NO CUSTOMER COMPLAINTS THAT THE REPRESENTATIVE IS AWARE OF. THE REPRESENTATIVE SUBMITTED A VOLUNTARY RESIGNATION TO EXPLORE A BETTER OPPORTUNITY.
Date: March 25, 2009 Category: Employment Separation After Allegations Firm Name: METLIFE SECURITIES Termination Type: Voluntary Resignation Allegations: THE REGISTERED REPRESENTATIVE RESIGNED AFTER ALLEGATIONS WERE RAISED WITH RESPECT TO ALTERING A PLAN DOCUMENT AND PRODUCT REPLACEMENT. Broker Comment: INTERNAL REVIEW COMPLETED 03/21/2009 PRIOR TO VOLUNTARY RESIGNATION ON 03/25/2009. PLAN DOCUMENT WAS A SAMPLE SPECIMAN PROVIDED BY THE COMPANY AS A SAMPLE 403B PLAN DOCUMENT TO BE USED AS A GUIDE FOR EMPLOYERS. NO IMPROPER FINDINGS FOUND IN REVIEW.
Date: October 29, 2008 Category: Customer Dispute Allegations: CUSTOMER ALLEGES THAT WHEN SHE PURCHASED A VARIABLE ANNUITY IN MAY 2004 THE REPRESENTATIVE ADVISED THIS WAS HER ONLY OPTION DUE TO HER RECENT CHANGE IN EMPLOYMENT STATUS. CUSTOMER FURTHER STATES THAT WHEN SHE CANCELLED THIS CONTRACT IN MARCH 2006 SHE INCURRED A PENALTY. Damage Amount Requested: $5,000.00
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