Our firm is investigating LPL Financial LLC financial advisor Jill Kirsten Singer (CRD# 4248522) of Montrose, Pennsylvania for potential investment-related misconduct.
Financial Advisor’s Career History
According to her registration and employment history, Jill Kirsten Singer has been registered in the securities industry with the following firms:
- LPL Financial LLC (Registered Representative) — 04/2015 to Present — Montrose, PA
- NBT Bank (Registered Representative) — 04/2015 to Present — Montrose, PA
- CUNA Brokerage Services, Inc. — 06/2014 to 04/2015 — Binghamton, NY
- INVEST Financial Corporation — 01/2007 to 06/2014 — Dunmore, PA
- PNC Investments — 04/2005 to 10/2005 (Moosic, PA) and 12/2005 to 01/2007 (Peckville, PA)
- AllianceBernstein Investment Research and Management, Inc. — 03/2004 to 09/2004 — Nashville, TN
- MetLife Securities Inc. — 01/2004 to 03/2004 — Springfield, MA
- Metropolitan Life Insurance Company — 01/2004 to 03/2004 — New York, NY
- Fidelity Brokerage Services LLC — 11/2000 to 09/2003 — Smithfield, RI
Jill Kirsten Singer Fraud Allegations and Investor Complaints Explained
Pending customer complaint alleging variable annuity terms were not properly disclosed (LPL Financial LLC)
FINRA BrokerCheck reflects one pending customer dispute reporting allegations tied to a variable annuity. The customer alleges that not all terms of the annuity were properly disclosed. The complaint was received on December 28, 2025, and the matter is currently listed as pending.
Key case details (as reported):
- Date complaint received: 12/28/2025
- Employing firm at time of alleged conduct: LPL Financial LLC
- Product type: Variable annuity
- Allegation: Customer alleges that not all terms of annuity were properly disclosed
- Alleged damages: $16,942.00
- Status: Pending (written complaint; not arbitration/civil litigation as reported)
Disclosure event recap (bullet summary):
- Customer Dispute (Pending) — Alleged incomplete disclosure of variable annuity terms — $16,942 alleged damages — Received 12/28/2025 — Disposition: Pending
To obtain a copy of Jill Kirsten Singer’s FINRA BrokerCheck report, visit this link:
Robert Wayne Pearce Is Committed to Recovering Your Investment Losses
FINRA Rule 2330 (Members’ Responsibilities Regarding Deferred Variable Annuities) is commonly analyzed in variable annuity disputes because it imposes heightened sales-practice responsibilities around recommended purchases and exchanges of deferred variable annuities. In a complaint alleging that key annuity terms were not properly disclosed, Rule 2330 can become relevant to whether the representative and firm adequately addressed the annuity’s features, costs, surrender periods, and limitations, and whether the documentation and review process reflected the customer’s circumstances and the product’s long-term constraints.
FINRA Rule 2210 (Communications with the Public) can be implicated where a customer claims they were not fully informed about an annuity’s terms because Rule 2210 requires communications to be fair and balanced and not omit material facts that would make a statement misleading. If the customer’s understanding of the variable annuity was shaped by presentations, emails, application summaries, illustrations, or other sales communications, Rule 2210 analysis may focus on whether those materials accurately conveyed material limitations (including liquidity restrictions and surrender charges) rather than emphasizing benefits without balanced risk disclosure.
FINRA Rule 2010 (Standards of Commercial Honor and Principles of Trade) is often discussed as a baseline ethics rule in disclosure disputes. When an investor alleges they were not told all material terms of a complex product, Rule 2010 may be evaluated alongside more specific rules to assess whether the representative’s conduct reflected commercial honor, including whether omissions or incomplete explanations undermined the customer’s ability to make an informed decision. These issues are often evaluated in tandem with suitability and profile diligence concepts discussed in Know Your Customer materials, especially where the investor’s liquidity needs or time horizon would make annuity restrictions particularly consequential.
Losing your savings to a dishonest broker or advisor can be devastating, but you do not have to face it alone. Robert Wayne Pearce and his team have spent over four decades helping investors who were misled or defrauded by Wall Street firms. The Law Offices of Robert Wayne Pearce, P.A. takes cases nationwide on a contingency fee basis. You pay nothing unless we recover your losses. Call (800) 732-2889 or email pearce@rwpearce.com today for a free and confidential consultation.