{"id":7626,"date":"2019-01-22T16:08:49","date_gmt":"2019-01-22T21:08:49","guid":{"rendered":"https:\/\/www.silverlaw.com\/blog\/?p=7626"},"modified":"2019-01-22T16:08:49","modified_gmt":"2019-01-22T21:08:49","slug":"broker-ralph-byer-of-merrill-lynch-has-seven-disclosures","status":"publish","type":"post","link":"https:\/\/www.silverlaw.com\/blog\/broker-ralph-byer-of-merrill-lynch-has-seven-disclosures\/","title":{"rendered":"Broker Ralph Byer Of Merrill Lynch Has Seven Disclosures"},"content":{"rendered":"<p>Ralph Michael Byer (<a href=\"https:\/\/brokercheck.finra.org\/individual\/summary\/1038411\" target=\"_blank\">CRD #1038411<\/a>) is a registered broker and investment advisor currently employed with Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated (CRD #7691) of Plantation, Florida, where he has been since 1982.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-4544 alignleft\" src=\"https:\/\/www.silverlaw.com\/blog\/wp-content\/uploads\/2017\/07\/Churning-1024x683-300x200.jpg\" alt=\"Churning-1024x683-300x200\" width=\"272\" height=\"181\" srcset=\"https:\/\/www.silverlaw.com\/blog\/wp-content\/uploads\/2017\/07\/Churning-1024x683-300x200.jpg 300w, https:\/\/www.silverlaw.com\/blog\/wp-content\/uploads\/2017\/07\/Churning-1024x683-768x512.jpg 768w, https:\/\/www.silverlaw.com\/blog\/wp-content\/uploads\/2017\/07\/Churning-1024x683.jpg 1024w, https:\/\/www.silverlaw.com\/blog\/wp-content\/uploads\/2017\/07\/Churning-1024x683-1000x667.jpg 1000w, https:\/\/www.silverlaw.com\/blog\/wp-content\/uploads\/2017\/07\/Churning-1024x683-180x120.jpg 180w\" sizes=\"auto, (max-width: 272px) 100vw, 272px\" \/>Byer has a total of seven disclosures, all of them customer disputes. The most recent was filed on 06\/19\/2018, alleging \u201c<em>excessive trading, unsuitable investment recommendations and misrepresentation from 1990 until 2018.\u201d<\/em>\u00a0 This case is currently pending.<\/p>\n<p>His next previous dispute, filed on 02\/03\/2014, alleged misrepresentation involving a life insurance policy purchased in June of 1987. This claim was denied. However, the next dispute, filed on 01\/27\/2009, was settled for $7,000. The client alleged \u201cunsuitable investment recommendations,\u201d and requested damages of $100,000.<\/p>\n<div class=\"read_more_link\"><a href=\"https:\/\/www.silverlaw.com\/blog\/broker-ralph-byer-of-merrill-lynch-has-seven-disclosures\/\"  title=\"Continue Reading Broker Ralph Byer Of Merrill Lynch Has Seven Disclosures\" class=\"more-link\">Continue reading \u203a<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Ralph Michael Byer (CRD #1038411) is a registered broker and investment advisor currently employed with Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated (CRD #7691) of Plantation, Florida, where he has been since 1982. Byer has a total of seven disclosures, all of them customer disputes. The most recent was filed on 06\/19\/2018, alleging \u201cexcessive trading, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[589,606,590,580,576],"tags":[1359,1398,1451,1452,251],"class_list":["post-7626","post","type-post","status-publish","format-standard","hentry","category-churning-2","category-margin","category-misrepresentation-and-omission-of-material-facts","category-stockbroker-misconduct","category-unsuitable-investment-advice","tag-finra-arbitration-lawyer","tag-merrill-lynch-pierce-fenner-smith-incorporated","tag-ralph-byer","tag-ralph-byer-merrill-lynch-pierce-fenner-smith-incorporated","tag-unsuitable-recommendations"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Broker Ralph Byer Of Merrill Lynch Has Seven Disclosures &#8212; 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