Finra panel also lets Miguel Ballestas off the hook for $407,000 note
Unless Howard Present pays $12.4 million in penalties, interest and disgorgement, he can't be reinstated
Payment would settle class action filed by current and former reps over commissions, expenses.
EBRI says almost two-thirds of employees who are happy with their benefits have high morale.
Tom Anderton and Ryan Howard join 626 Financial in Portage, Mich.
Cirrus Wealth Management in Cleveland has four advisers, four staff.
NASAA report finds broker-dealers are better informing investors.
73% don't have a written plan in place, FPA study finds.
Ordered to pay $5.2 million in restitution.
Husband-and-wife-led team operates as Questmont Strategic Wealth.
