Mr. Maro A. Paz

Merrill Lynch, Pierce, Fenner & Smith, Incorporated

http://fa.ml.com/maro-paz/
(541) 312-6832

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professional profile

Year CFP® Certification Received

2007 | view current certificate

Disclosures

CFP Board Public Disciplinary History

Effective Date: 8/22/2011

In August 2011, following a hearing before CFP Board’s Disciplinary and Ethics Commission (“Commission”), CFP Board issued a Letter of Admonition to Mr. Paz. This discipline followed CFP Board’s investigation of Mr. Paz’s 2010 Chapter 7 Bankruptcy. The Commission found that Mr. Paz demonstrated an inability to manage his personal finances by filing for Chapter 7 Bankruptcy and thus engaged in conduct that reflects adversely on his integrity and fitness as a CFP® professional, upon the CFP® certification marks, and upon the profession. The Commission determined that Mr. Paz’s conduct provided grounds for discipline pursuant to Article 3(a) of CFP Board’s Disciplinary Rules and Procedures (“Disciplinary Rules”). Accordingly, the Commission admonished Mr. Paz with regard to the above-mentioned conduct, pursuant to Article 4.2 of the Disciplinary Rules.

Disclosure Under CFP Board’s Prior Bankruptcy Disclosure Procedures
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Until June 30, 2020, CFP Board made public disclosures about CFP® professionals who had filed a personal or business bankruptcy. These were disclosures and not disciplinary actions or sanctions. These disclosures stay on CFP Board’s website for 10 years. There are more details below on this page.

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While the information on this website may be useful to you, there may be more information from other sources you will need or want. Provided below are links to other sources of information about CFP® professionals that may be more recent or that may contain information that has not led to CFP Board discipline and does not appear on CFP Board’s website. The information may include customer disputes, disciplinary actions taken by a regulator or employer, certain criminal matters, and certain financial matters (such as bankruptcy proceedings and unpaid judgments or liens). The links provided below may provide additional information only if the CFP® professional is subject to the oversight of that regulator or SRO. If the CFP® professional is not subject to their oversight, then the link will not provide access to any additional information about that person.

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About Bankruptcies

Effective June 30, 2020, CFP Board may publicly sanction a CFP® professional for a personal or business bankruptcy that violates CFP Board’s Code of Ethics and Standards of Conduct. (There is no violation if the CFP® professional can make a case that the bankruptcy does not reflect on the professional’s ability to responsibly manage his or her own financial affairs or the financial affairs of the business.) You can find public sanctions in the “CFP Board Public Disciplinary History.” Under the “Prior Bankruptcy Disclosure Procedures” that applied from July 2012 – June 2020, CFP Board published information about a CFP® professional’s verified single bankruptcy in a press release and on CFP Board’s website. These were disclosures, not discipline or sanctions, and remain on CFP Board’s website for 10 years. You may learn more about the disclosure procedures here. You can learn more information about a bankruptcy filing at the U.S. Court’s website. You will be required to register and pay a nominal fee to view the information on that website.