Cirrus Wealth Management in Cleveland has four advisers, four staff.
73% don't have a written plan in place, FPA study finds.
NASAA report finds broker-dealers are better informing investors.
Ordered to pay $5.2 million in restitution.
Husband-and-wife-led team operates as Questmont Strategic Wealth.
Broker attended partial day of hearing, then declined to show up for the rest.
Steven Pagartanis, a hearing no-show, had been discharged by Lombard Securities.
June Strunk says Mystic, Conn., managers ignored complaints about broker improprieties and then ostracized her.
Finra also suspends Mina Mishrikey for three months
Ms. Havlik will oversee Finra's surveillance and examination programs.
