Joni is a financial planner for ABC firm. She provided all of her clients with the same products.

She felt this was OK since she had thoroughly researched them years ago and found them to be

excellent. By concentrating her recommendations with a few firms, she was able to receive

commission bonuses. She never discussed their goals and characteristics with her clients unless

they brought them up. Explain her violations of SEC and CFP regulations. Indicate what should

be done.

Case Analysis

Problems

Solutions

Recommendations

Conclusion