Thais Piotrowski Ameriprise is a Fraudster

Finding a competent financial advisor might feel like a Herculean endeavor at times. However, if you are aware of which advisors you ought to steer clear of, you will be able to hone in on your search and make the procedure more time-effective. You should steer clear of Thais Piotrowski Ameriprise if you are looking for a financial advisor in Florida.

You will discover her predatory disclosures and history in the following review, which will explain why you should steer clear of both her and her company:

Who is Thais Piotrowski Ameriprise?

Financial advice can be obtained from Thais Piotrowski Ameriprise, which has its headquarters in Boca Raton, Florida. Her office may be reached at the following number: 561-952-0664 and is situated at 1875 Corporate Blvd NW Ste 210 in Boca Raton, Florida, in the United States.

Thais Piotrowski Ameriprise is in charge of the organization known as Thais D. Piotrowski & Associates. Both CFP and CRPC certificates are under her name. Thais asserts that she will take the time to learn about her customers’ priorities in order to provide them with individualized guidance. In addition to that, she asserts to be able to provide individualized recommendations, organize meetings with regulatory authorities, and provide individual financial guidance.

This company offers a variety of services, including investment advisory solutions, annuity solutions, cash management solutions, insurance solutions, complete financial guidance, retirement planning, tax planning techniques, multigenerational planning, and progress meetings. Some of the services that are available at this company are listed below.

At first glance, it would appear that Thais Piotrowski Ameriprise is a trustworthy wealth advisor. However, she has included in her disclosures a great number of clauses and restrictions that permit her to take advantage of her clients.

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In the following part of my analysis, I’m going to go into more depth about these regulations for you.

Top Reasons Why You Should Avoid Thais Piotrowski Ameriprise

During the course of her work, Thais Piotrowski Ameriprise has been on the receiving end of two legal complaints from her clients. 2009 marked the beginning of the first conflict.

In this case, the customer claimed that the employee had made an improper purchase of a mutual fund in February 2009, which resulted in losses of $7,319. They asked for compensation in the amount of $7,319.

The company, on the other hand, refuted the claim by asserting that the customer had given their permission to make the purchase.

2013 saw the occurrence of the second disagreement. In this instance, the customer had asked FINRA to mediate the dispute on their behalf. In this instance, she claimed that Thais had marketed her an RVS annuity that was inappropriate for her needs. In addition to this, she claimed that her request for a partial surrender was denied, and when it was eventually processed, it resulted in a reduction of the guarantee provided by the policy, despite the fact that she had acquired additional riders for the policy to prevent this from happening.

The complaint did not include any details regarding the damages. On the other hand, the same as in the other instance, Thais’ firm turned down the request for FINRA mediation. Despite this, the disclosure does not discuss the manner in which the corporation responded to the claims.

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It is extremely unlikely that an outcome that is favorable to the investor will result from such conflicts. This is due to the fact that consultants like Thais Piotrowski require you to sign a number of agreements before they would work with you. These waivers absolve them of all duty and liability.

Charging 12b-1 Fees

Products with 12b-1 fees are ones that are offered by Thais Piotrowski Ameriprise and her company. This is a marketing cost that is paid to the advisor, who then keeps it all for themselves. This charge is paid to advisors by companies in exchange for the promotion of specific financial products.

It’s possible that some investors believe the performance of assets that charge this fee must be superior to the performance of investments that don’t charge this cost. But they would be wrong to believe that.

The Securities and Exchange Commission (SEC) carried out an in-depth study to evaluate and contrast the rates of return generated by assets that are subject to 12b-1 fees and those that are exempt from these costs. There was found to be no difference.

According to the findings of the study, the return on investment (ROI) for investments that impose a 12b-1 fee is lower than the ROI for investments that do not impose this tax. This is due to the fact that the overall cost of investing in such assets is significantly greater.

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The 12b-1 fee has several additional red flags

It is a percentage fee, which means how much you pay depends on the size of your portfolio. Hence, this fee is particularly detrimental to investors with large portfolios. It compounds in size over time so it’s unsuitable for portfolios that focus on long-term growth and returns. 

When you pay this fee, you don’t get anything in return for the added cost.

The fact that she engages in side-by-side management is yet another disheartening red flag that was raised by the disclosures that Thais Piotrowski Ameriprise provided.

When a financial adviser is said to undertake side-by-side management, it indicates that the advisor is responsible for both huge funds and small retail accounts. When this occurs, financial advisors and the firms they work for typically direct the majority of their resources toward serving their more significant clients, leaving the smaller clients with very little to no assistance.

You should avoid working with such an advisor if you are an investor with a portfolio that is on the smaller or middle-sized end of the spectrum. Advisors that engage in side-by-side management make a misleading claim that they provide individualized guidance to their clients who have fewer assets under management. In actuality, all they do is provide them with generic, one-size-fits-all guidance.

Every single investor has their own particular needs and objectives. Advice that’s been given to everyone else won’t help you achieve your financial goals, and it won’t help you obtain the returns you want, either.

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Stay away from advisors like that at all costs!


Thais Piotrowski is a shady and selfish advisor who uses dubious tactics to take advantage of her clients. It wouldn’t be safe for you to work with such a dangerous firm. 

Luckily, there are plenty of wealthy advisors in Florida. So, you don’t have to go with the worst option available in the market. 

Too Dangerous

Thais Piotrowski is an unreliable wealth advisor who is using multiple methods to take advantage of her clients. It wouldn’t be safe to work with such an advisor. You should find a different financial advisor in Florida.

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