The Statement of Claim contains vague accusations that are not substantiated by facts. Barlow had an eleven year relationship with Claimant and maintained copious notes of each conversation, especially when significant changes were made to Claimant's account.

Claimant was placed in a managed income-producing account, which consisted of appropriate stocks that generated dividends to support Claimant's need for income. The annuity switch which Claimant complained about involved an exhaustive explanation by the broker on the "Annuity Exchange and Replacement Questionnaire" and included the math supporting a switch. Claimant's CPA was in attendance in a meeting that covered the  switch and he supported the switch. Barlow also arranged a refinance through Wells Fargo that included outstanding debt and lines of credit in an effort to help Claimant control expenses. Finally, Claimant had unrealistic expectations of the broker for assistance on social security issues. Barlow did not have expertise in this area and referred her to the social security office.