JUSTIN CHARLES CRAMER is currently employed as a Broker and/or Investment Adviser at PROSPERA FINANCIAL SERVICES, INC. located at 4605 C. OLEANDER DRIVE, BLDG. C, MYRTLE BEACH, SC, 29577.
JUSTIN CHARLES CRAMER has worked at PROSPERA FINANCIAL SERVICES, INC. since February 25, 2015
Disclosure History
JUSTIN CHARLES CRAMER has 1 Disclosure Event(s).
Date: January 30, 2015 Category: Employment Separation After Allegations Firm Name: EDWARD JONES Termination Type: Discharged Allegations: MR. CRAMER DISREGARDED THE FIRM'S INSTRUCTIONS TO REMOVE FROM HIS BRANCH OFFICE CERTAIN LIFE INSURANCE CONTRACTS, APPLICATIONS AND HEALTH STATEMENTS. Broker Comment: I REGULARLY REQUEST COPIES OF MY CLIENT'S INSURANCE CONTRACTS AND STATEMENTS AS PART OF MY REVIEW OF THEIR FINANCIAL HEALTH. I HAD SOME OF THESE DOCUMENTS IN MY OFFICE (INCLUDING FOR MY OWN FAMILY MEMBERS) WITH MY CLIENTS' KNOWLEDGE AND CONSENT IN ORDER TO CONDUCT THE COMPREHENSIVE FINANCIAL PLANNING PROCESS I TAKE EACH CLIENT THROUGH. I ALSO HAD SOME OLD, HISTORICAL DOCUMENTS THAT WERE TO BE SHREDDED. MY PRIOR FIRM'S BUSINESS MODEL STRONGLY URGED ME TO FOCUS ON THE BROKERAGE AND SALES ASPECT OF THE CLIENT'S ACCOUNT RATHER THAN ON THE FIDUCIARY ROLE OF FINANCIAL PLANNING. DUE TO THIS MODEL, THE FIRM REQUESTED I DESTROY AND/OR RETURN THE ABOVE MENTIONED DOCUMENTS, WHICH I DID, EVEN THOUGH THERE IS NO REGULATORY RULE OR INDUSTRY STANDARD FOR SUCH A REQUEST. APPARENTLY, THE FIRM FELT THAT BECAUSE THE DOCUMENTS WERE NOT SHREDDED AND/OR RETURNED ON THE SAME DAY AS I RECEIVED THE ELECTRONIC REQUEST TO DO SO, I HAD "DISREGARDED" THEIR INSTRUCTIONS. WHILE THESE EVENTS TRANSPIRED IN OCTOBER 2014, THE FIRM IRONICALLY DIDN'T TAKE ANY ACTION UNTIL IT DECIDE TO SUDDENLY TERMINATE ME AT THE END OF JANUARY 2015 - THREE MONTHS LATER.
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