✶ casefile: breach, babe
sam lowe (plaintiff)
vs.
[redacted financial firm] + assigned advisors (defendants)
→ pre-suit notice emailed | complaint in progress | names sealed (for now)
filed under:
the part where they assigned my husband’s work girlfriend to manage my finances during an active domestic violence emergency, erased me, failed to disclose a conflict, and then acted confused when i got litigious.
alleged claims include:
→ breach of fiduciary duty (plural)
→ constructive fraud (hi, colorado § 13-21-102)
→ negligent supervision (compliance team, you were sleeping)
→ aiding + abetting domestic violence (crs § 18-1-603)
→ intentional infliction of emotional distress (on brand)
→ unjust enrichment
→ retaliation after dv disclosure (crs §§ 13-21-131 + 18-8-706)
→ unauthorized alteration of ownership + beneficiary rights (crs § 10-3-111)
→ unfair insurance practices (crs § 10-3-1104)
current status:
names: redacted
evidence: preserved
energy: hostile but correct
complaint: coming
✶
disclaimer
i am not a lawyer.
i’ve taken a few intro law classes and learned enough to know this is beyond fucked. i’m doing this because i literally have to—no other choice.
*all statements here are based on documented facts and firsthand records.
“they fucked around and forgot they were fiduciaries.”
what is a fucking fudiciary?
✶ what is a fiduciary (legally speaking)
a fiduciary is someone who has a legal obligation to act in the best interest of another person. not just "try their best" or "be nice" — legally bound to put your interests first. even above their own.
it's a relationship built on trust, vulnerability, and power imbalance.
so the law treats it seriously.
legally, this means they must:
act loyally → they can’t secretly favor someone else, especially someone paying them or sleeping with them.
act carefully → they have to know what they’re doing, and do it responsibly.
disclose conflicts → anything that could compromise their judgment has to be shared up front.
avoid self-dealing → they can’t use your account or situation to benefit themselves or their little office clique.
be accountable → they must document and explain decisions, especially around money.
common fiduciary roles include:
lawyers
trustees
guardians
financial reps
insurance agents (yes, even the ones with matching office nicknames)
☠︎ what they owed me, legally (lol)
duty of loyalty
→ financial reps are required to act in the best interest of the client.
→ not their coworker’s spouse.
→ not whoever they’re venmoing after er visits.
→ me.
Restatement (Third) of Agency §§ 8.01–8.03
also basic ethics, but whatever lol
duty of care
→ advisors must act with the care, skill, and diligence that a reasonably prudent person would exercise.
→ “i don’t know when this became hostile” doesn’t qualify.
→ neither does allegedly ignoring 40+ policy-related docs about an active crisis.
see: literally any fiduciary standard ever written
duty of disclosure
→ material conflicts of interest must be disclosed.
→ such as:
• private payments
• off-platform contact
• strategic personal ties
• weird “awkward” relationships that end in sudden reassignment and disappearing acts; when did shit get weird? while she was my rep? allegedly BREACH.
→ hint hint.
C.R.S. § 10-3-1104 (Unfair Insurance Practices)
duty to account
→ premium payments made by the client must be properly tracked and applied.
→ the person paying should remain… involved.
→ is this a joke?
→ that’s not just a fucking breach—allegedly. that’s bad math.
C.R.S. § 10-2-704 (Fiduciary Funds Rule)
also known as: don’t steal from your client, bro
duty to mitigate conflicts
→ firms must identify and mitigate advisor-client conflicts under SEC Reg BI.
→ assigning an emotionally enmeshed colleague to my family’s file while she’s texting my husband daily = not mitigation.
→ removing her quietly after the damage = also not mitigation.
Reg BI Release No. 34–86031, FINRA Rule 3270
duty to notify
→ if policy ownership, beneficiary status, or advisory representation changes, the client should be told.
→ lol
→ i found out after disclosing a restraining order.
C.R.S. § 10-3-111 (Unauthorized Alteration of Contracts)
lol ok bro
duty not to retaliate
→ firms are not allowed to retaliate against clients who raise concerns, especially related to abuse or fraud.
→ labeling a dv-protected client “hostile” after they request help restarting a juvenile policy = retaliation. allegedly.
→ also: dumb.
15 U.S.C. § 78u-6(h)(1)(A) (SEC Whistleblower Protection)
C.R.S. § 13-21-131 (Retaliation Against Crime Victims)
no creativity. no theories. just what was required.
they didn’t deliver any of it.
wtf is this?
a fiduciary shitshow.
here’s the reality:
a financial firm assigned a woman with a personal relationship to my husband—his coworker, his daily facetime, literally internally nicknamed “sheriff and deputy”—to manage my finances during an active domestic violence crisis.
they gave her access to my accounts, my policies, and my personal information
the closer they got, the more i got my ass beat.
they decided there was zero conflict:
→ while i was visibly pregnant
→ while their relationship continued to be openly inappropriate
→ while our family showed blatant red flag warning signs of domestic violence, such as:
✘ ptsd
✘ tbi
✘ combat vet
✘ pregnancy
✘ financial devastation
✘ close connection with female coworker
✘ !!!
→ while i had zero autonomy and zero access to any of his communications
→ while i was being physically assaulted repeatedly
→ while i was posting abuse updates she watched in real time
→ while she was sending him money, job offers, family-connection prospects, emotional support, and continued intimate friendship after he left the firm and was still my representative.
→ while their relationship was openly known and normalized by the entire internal social climate.
they didn’t flag it.
they didn’t remove her.
they didn’t even warn me.
they just kept cashing the drafts.
and let me repeat,
after reflecting?
(and this is just based on my own personal “ass kicked within an inch of your baby’s life while pregnant” data)
the
violence
got
so
much
worse
the closer they became.
✘
✘
✘
and i think?
is this real?
i must be tripping,.
but y’all
→ immediately after i estrange from my husband?
→ they just quietly let her disappear—poof from my accounts.
→ and zero explanation for stripping me from the very policies i transparently and verifiably participated in opening.
→ she recuses herself from my policies
→ due to a conflict of interest. aka: “awkward”
→ she abruptly leaves the firm.
→ shit—she leaves the fucking state.
wait for it…
potentially………….
→ weeks after my husband bounces
→ unclear (!) i have to guess based off public records, y’all.
→ my financial firm and representative disclosed fucking NADA. no exit from my account. no exit from the firm.
→ zero notification.
so i’m fucking clueless, clearly.
like, think this chick is still my rep, yo.
so yeah, i continue to allow her access to my socials and intimate disclosures, despite locking the accounts down.
again, i assume she’s still my
!!!!
fucking fiduciary.
you know—
a neutral fucking party.
yeah babe—nah.
girl. it gets worse.
i’ll confirm once the mugshot is in.
but, hey—listen:
this wasn’t a misunderstanding.
this was a conflict of interest they knowingly hid.
how could it become awkward?
during a period when she was my legal fucking fudiciary?
so i disclosed dv? and you flagged nothing?
yup.
because they didn’t think of me as, significant.
it was ok, if i was collateral damage,
of some interpersonal office fuckery.
why am i mad?
yoooo—
if I find out this firm or my reps aided and abetted in my near-death experience and financial ruin?
(while internally mocking me as i bought policies?)
lol.
(!!!!!!!!!!!!!)
i’m gunna burn
everything
fucking
down.
(figuratively)
!!!!!!!!!!!because we almost fucking died!!!!!!!!!!!!!
current status? *unconfirmed
i want it to be said—so fucking loudly:
this is what potentially happens when firms normalize in-office liaisons as “team bonding,” forget they’re fucking fiduciaries, and hand over financial control to someone emotionally emeshed with your legal husband while you’re being increasingly beaten and paying every bill.
listen: they do not give, a single fuck.
they oversaw a pregnant woman get financially devastated, physically assaulted, and quietly erased from her own legal documents—even after she reported it.
and babe—they still somehow appear to think they have done nothing wrong. like fucking toddlers with access to bank accounts.
y’all:
that’s not miscommunication.
that’s institutional rot.
this is frat culture with access to your ira.
if this is how they operate when no one’s watching—then someone has to watch.
so that’s what this is.
names redacted (for now).
legal action pending.
because if it happened to me,
you know damn well it’s already happening to someone else.
