Curtis Wayne Smith

04/14/2025: In May and June 2024, Smith impersonated a customer on four telephone calls to an annuity provider in order to obtain paperwork to facilitate a transaction for the customer, in violation of FINRA Rule 2010. In April 2022, Smith exercised discretion without prior written authorization in a customer account, in violation of FINRA Rules 3260(b) and 2010. Finally, from at least February 2022 until his termination in August 2024, Smith communicated with customers using two personal email accounts that had not been approved by UPFSA to conduct securities business, thereby causing UPFSA to fail to preserve required books and records, in violation of FINRA Rules 4511 and 2010. For this conduct, Smith is suspended for three months in all capacities and fined $10,000.

Reference 2023077040901data-portal.finra.orgfinra.org