Our firm is investigating Thrivent Investment Management Inc. registered representative and investment adviser representative Anna Lucas (CRD# 7360508) of Del Mar, California for potential investment-related misconduct.
Financial Advisor’s Career History
Based on her disclosed employment history and registrations, Ms. Lucas has worked in investment-related roles primarily with Thrivent-affiliated entities, including:
- Thrivent Investment Management Inc. — Registered Representative (reported start: 05/2021 – Present) (branch location reported: New Brighton, Minnesota)
- Thrivent Investment Management Inc. — FINRA registration effective 07/09/2021; Investment Adviser Representative registration reported as effective 08/31/2021
- Thrivent Financial — Financial Associate (10/2024 – Present, Del Mar, CA)
- Thrivent Financial — Corporate Employee Licensed (08/2023 – 10/2024, Appleton, WI)
- Thrivent Financial — Financial Associate (11/2021 – 08/2023, Minneapolis, MN)
- Thrivent Financial — Associate Representative (07/2021 – 11/2021, Appleton, WI)
Anna Lucas Fraud Allegations and Investor Complaints Explained
BrokerCheck reflects one customer dispute reported for Ms. Lucas.
Disclosure Snapshot (for context)
- Customer Dispute (Settled) — Customer alleged an August 2022 Variable Universal Life (VUL) contract was not suitable; alleged damages $7,342.52; complaint received 10/29/2025; status date 11/24/2025; settlement $7,342.52; individual contribution $0.00.
Customer Dispute: Alleged Unsuitable Variable Universal Life (VUL) Recommendation (Settled)
According to the disclosure details, the customer alleged that a Variable Universal Life (VUL) contract issued in August 2022 “was not suitable.” The matter was reported as a written customer complaint (not arbitration/civil litigation), and it was settled after the firm received the complaint on October 29, 2025. The reported settlement amount was $7,342.52, matching the alleged damages, with $0.00 attributed as an individual contribution by Ms. Lucas.
To obtain a copy of Anna Lucas’s FINRA BrokerCheck report, visit this link.
Robert Wayne Pearce Is Committed to Recovering Your Investment Losses
FINRA Rule 2111 (Suitability) requires that a broker or associated person have a reasonable basis to believe a recommendation is suitable for the customer based on the customer’s investment profile (such as risk tolerance, investment objectives, time horizon, and liquidity needs). In a dispute alleging an unsuitable VUL contract recommendation, Rule 2111 is often central because the claim typically turns on whether the product’s risks, costs, features, and long-term funding requirements reasonably matched the customer’s profile at the time of the recommendation.
FINRA Rule 2090 (Know Your Customer) requires firms and associated persons to use reasonable diligence to know the essential facts concerning each customer and the authority of each person acting on behalf of the customer. In the context of an alleged unsuitable VUL sale, Rule 2090 matters because a recommendation cannot be properly evaluated for suitability unless the advisor gathered and understood key customer facts—such as financial condition, insurance needs, investment experience, and the customer’s ability to sustain premiums and potential market-related fluctuations inside a variable policy.
FINRA Rule 2010 (Standards of Commercial Honor and Principles of Trade) broadly requires brokers to observe high standards of commercial honor and just and equitable principles of trade. When a complaint alleges an unsuitable product recommendation, Rule 2010 may be implicated if the circumstances suggest the customer was treated unfairly, important product limitations or risks were not adequately addressed, or the recommendation process fell below expected industry standards—even if the dispute ultimately resolves by settlement.
For over 45 years, Robert Wayne Pearce has helped investors recover losses caused by broker fraud, negligence, and unsuitable recommendations. His firm, The Law Offices of Robert Wayne Pearce, P.A., represents clients nationwide on a no-recovery, no-fee basis. Call (800) 732-2889 or email pearce@rwpearce.com for a free case review with an experienced securities attorney.