Haselkorn & Thibaut has opened an investigation into Wayne Minh Loi, a registered financial advisor based in Cupertino, CA with Cetera Investment Services LLC and Cetera Investment Advisers LLC. If you’ve worked with Mr. Loi or have concerns about potential investment losses, this research report will help you understand his professional background, regulatory disclosures, and your options for recovery. Our priority is an engaging, informative, and actionable guide for investors seeking clarity and peace of mind.
Who Is Wayne Minh Loi (Cupertino, CA)?
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Wayne Minh Loi (also known as Nguyen Minh Loi), carries FINRA CRD number 5013696 and is currently registered with Cetera Investment Services LLC as a general securities representative, as well as an investment adviser representative with Cetera Investment Advisers LLC. His career history also includes roles at:
- BancWest Investment Services, Inc.
- Edward Jones
- Wells Fargo Advisors, LLC / Wells Fargo Investments, LLC
- Citicorp Investment Services
Mr. Loi also has a professional affiliation with East West Bank as a financial consultant and maintains active registrations in multiple states. He is currently based in Cupertino, California.
What Should Investors Know Before Working with Wayne Minh Loi?
Haselkorn & Thibaut is dedicated to helping investors make informed decisions and recover investment losses when warranted. Understanding your advisor’s regulatory and disciplinary history is a critical first step. Here is a detailed review of Mr. Loi’s record and a summary of red flags based on the most current public information.
| Advisor Name | Wayne Minh Loi (CRD 5013696) |
|---|---|
| Firms | Cetera Investment Services LLC, Cetera Investment Advisers LLC |
| Location | Cupertino, CA |
| Can Be Sued in FINRA Arbitration? | Yes |
| Highest Reported Settlement | $23,750 |
Public Complaints and Regulatory Record
- FINRA BrokerCheck Search: As of June 2024, Mr. Loi’s record on FINRA BrokerCheck shows:
- No regulatory disciplinary actions.
- No customer arbitration or civil litigation disclosures reported up to that date.
- No SEC or other administrative actions.
- Accurate employment history with Cetera Investment Services LLC and Cetera Investment Advisers LLC.
- Recent Customer Complaint & Settlement:
- In August 2025, a client of Cetera filed a written complaint alleging that Mr. Loi provided incorrect product terms regarding BNP structured product investments.
- The matter was resolved in September 2025 for a settlement of $23,750.
What does this mean for investors? While Mr. Loi does not have a pattern of customer disputes or a history of disciplinary action, the 2025 complaint indicates at least one instance where a client believed information provided about a complex investment product was inaccurate. Such issues can be a red flag as they may potentially involve misrepresentation or omission of material facts—actions that are prohibited under FINRA rules 2020 and 2010.
How to Research and Verify an Advisor’s Disciplinary History
Investors should always perform due diligence before and during relationships with financial advisors. Here are practical steps:
- Use BROKERCHECK to look up an advisor’s regulatory record and employment history.
- Check state securities regulator sites for any additional state-level notices or disciplinary orders.
- Search the SEC’s EDGAR and litigation releases for enforcement actions.
- Perform a standard web search for news stories or class-action suits involving the advisor.
- If you want extra assurance, ask your advisor’s compliance department for a written disclosure of any outstanding matters—not just a verbal answer.
Red Flags to Watch When Working With Advisors
- Recent or unresolved customer complaints—especially those about misrepresentation or unsuitable recommendations.
- Settlements paid to clients, which—even if relatively modest—can indicate possible errors, omissions, or supervisory failures.
- Lack of transparency around product terms or investment risks.
- Complicated or illiquid products such as structured notes or proprietary offerings, which can be misunderstood and sometimes carry high fees.
Haselkorn & Thibaut: Free, Confidential Consultation
If you have concerns about investments managed by Wayne Minh Loi or have experienced losses in accounts with Cetera Investment Services LLC, speaking with a qualified securities law firm can provide clarity and direction. Haselkorn & Thibaut has over 50 years of collective experience, a 98% success rate, and millions recovered for clients. You pay no fee unless there is a recovery (“no recovery, no fee”).
Call today for a free, confidential consultation at 1-888-885-7162 and discover your rights as an investor. Whether you’re unsure if you have a case or simply want to verify your account activity, our team is here to help.
Key Takeaways for Investors:
- Wayne Minh Loi is a currently registered advisor in Cupertino, CA with Cetera Investment Services LLC and Cetera Investment Advisers LLC.
- No FINRA disciplinary actions or public regulatory suspensions as of June 2024, but he was subject to a settled customer complaint in September 2025 related to alleged misstatements about structured product investments.
- If you believe you may have lost money or were provided with unclear investment terms by Mr. Loi, you may have a right to recover damages through FINRA arbitration.
Contact Haselkorn & Thibaut’s experienced investment fraud attorneys at 1-888-885-7162 for your free case review. Protect your rights. The consultation is confidential—and you pay nothing unless we recover for you.
