Opes Financial Solutions, LLC. - Samantha Ford ,Provisional Vice President - Opes Financial Solutions, LLC. - Opes Financial Services - Opes Financial Solutions- Rake Murray ,Owner, Opes' VP CLAIMS "Opes Financial Solutions" is a BANK/FINANCIAL INSTITUTION when they are only a MARKETING COMPANY. California, Arizona, Texas & Nationwide Nationwide

Let’s count all the misrepresentation (or shall we just call them LIES, since that’s really what they are…) by this “Vice President” of Opes Financial Solutions –

1. LIE#1: SAMANTHA FORD CLAIMS “Opes Financial Solutions” is a BANK/FINANCIAL INSTITUTION on the banner graphic on her FACEBOOK: https://www.facebook.com/smartfinancialsolutionsbysam/

Incase you were wondering, her own website that she lists above (http://smartfinancialsolutionsbysam.com) is blank: (how official!)

But lets get to the point of this "Bank/Financial Institution" claim on her business page:

Is that true? Is Opes a "Bank" or "Financial Institution" - Lets find out!

• Definition of a BANK: A financial institution licensed as a receiver of deposits. There are two types of banks: commercial/retail banks and investment banks. In most countries, banks are regulated by the national government or central bank. (Investopedia, 2014) See: http://www.investopedia.com/terms/b/bank.asp

Since Opes does not take deposits and is not regulated by the government as a bank, Opes is NOT A BANK.

Definition of a FINANCIAL INSTITUTION: Private (shareholder-owned) or public (government-owned) organizations that, broadly speaking, act as a channel between savers and borrowers of funds (suppliers and consumers of capital). http://www.businessdictionary.com/definition/financial-institution.html#ixzz3605we4Ep (BusinessDictionary.com)

Additionally, in order to be recognized as a “Financial Institution”, an organization must adhere to and fall within one of the catagories listed in: 18 U.S. Code § 20: “A financial institution is one of the following:

(1) an insured depository institution (as defined in section 3(c)(2) of the Federal Deposit Insurance Act);

(2) a credit union with accounts insured by the National Credit Union Share Insurance Fund;

(3) a Federal home loan bank or a member, as defined in section 2 of the Federal Home Loan Bank Act (12 U.S.C. 1422), of the Federal home loan bank system;

(4) a System institution of the Farm Credit System, as defined in section 5.35(3) of the Farm Credit Act of 1971;

(5) a small business investment company, as defined in section 103 of the Small Business Investment Act of 1958 (15 U.S.C. 662);

(6) a depository institution holding company (as defined in section 3(w)(1) of the Federal Deposit Insurance Act;

(7) a Federal Reserve bank or a member bank of the Federal Reserve System;

(8) an organization operating under section 25 orsection 25(a)  ^[1]of the Federal Reserve Act;

(9) a branch or agency of a foreign bank (as such terms are defined in paragraphs (1) and (3) of section 1(b) of the International Banking Act of 1978); or

(10) a mortgage lending business (as defined in section 27 of this title) or any person or entity that makes in whole or in part a federally related mortgage loan as defined in section 3 of the Real Estate Settlement Procedures Act of 1974. “

(Cornell Law School, 2014) See: http://www.law.cornell.edu/uscode/text/18/20

Since Opes most CERTAINLY does not adhere to 18 U.S. Code § 20, Opes cannot be considered, and is CERTAINLY NOT A FINANCIAL INSTITUTION.

So what kind of company is OPES FINANCIAL SOLUTIONS, LLC???

A Marketing Company (NOT A BANK, NOT A FINANCIAL INSTITUTION). According to the FEDERAL GOVERNMENT, Opes is a “Marketing Group” – See page 4 (bottom of page): http://brokercheck.finra.org/Support/ReportViewer.aspx?SearchGroup=Individual&FirmKey=-1&BrokerKey=2630491

*** So, Conclusion #1: Samantha Ford’s claim that she works for a “Bank/Financial Institution” on her Facebook page is grossly misleading and misrepresentative of “Opes Financial Solutions”. She (and her company) are pretending to be more credible than they actually are, by using terms like “Bank” and “Financial Institution” when they are nothing of the like, and do not have the federal licensure, regulatory approval, or certifications necessary to claim ANY of those things.

1. LIE#2 SAMANTHA FORD CLAIMS  “OPES Financial Solutions is one of the world’s leading insurance, pension and related financial services organizations.” This can be seen on the “Info” tab of her Facebook Page: (SmartFinancialSolutionsBySam – Facebook Page: https://www.facebook.com/smartfinancialsolutionsbysam/info

According to Samantha's Facebook Page:

The problem… First of all: OPES IS NOT AN INSURANCE COMPANY. Opes is a Marketing Company (As was pointed-out earlier).

Second of all, even if Opes was an insurance company (which they aren’t), they are most certainly NOT “one of the worlds leading insurance, pension and related financial services organizations”. “World Leading”? That’s just a FLAT LIE. Come on Samantha - Where do you get off saying that?

Where is Opes on the list of “Leading Insurance/Financial companies”? Please help me find your source for your claim Samantha – Because according to the following sources below, Opes does not even RANK whatsoever. So, again, where do you get off saying all these lies?

http://www.insurancenetworking.com/news/insurance_reinsurance_life_health_property_casualty_am_best-26826-1.html

http://en.wikipedia.org/wiki/List_of_largest_financial_services_companies_by_revenue

http://www.economywatch.com/insurance-in-world/top-insurance-companies.html?page=full

I would like to know Samantha’s evidence that Opes Financial Solutions is “one of the worlds leading” anything! Can you produce some kind of evidence or proof that Opes ranks among Insurance Companies? Curious how ”Marketing Group” would rank among “Insurance Companies”… Can you explain that to me Samantha?

On what basis do you (or anyone at Opes Financial Solutions) claim to be a “bank”? or a “Financial Institution”? Or “one of the worlds leading insurance … organizations”?

ON WHAT BASIS?

*** Conclusion #2: Samantha Ford (and Opes Financial Solutions) has absolutely NO basis, and NO right to claim that they are a Bank or a Financial Institution of any kind. Furthermore, it does not appear that they have ANY basis to claim that they are in-fact, “a leader” of ANYTHING finance related.

Just curious Samantha - Any PROOF of any of these WILD claims? Or just hoping to sucker some people into thinking you and this company are something you’re not?

You’d think someone that is such an “expert” on finance, like Samantha claims she is, would know the difference between a BANK and a MARKETING company. But, since Samantha is not a REAL “Financial/Investment Advisor”, her knowledge is limited to what the owner of this company taught her…

…Who’s the owner again? Oh yah – Rake Murray…

Have you researched the public-record on that guy yet?  See: http://www.ripoffreport.com/r/Opes-Financial-Solutions-LLC/McKinney-Texas-75071/Opes-Financial-Solutions-LLC-Opes-Financial-Solutions-LLC-Opes-Financial-Services--1157580

Need anyone say more?

It would be wonderful to hear-back from a Representative of Opes (Perhaps Samantha or Rake) regarding all these misleading claims "Bank", "Financial Institution", "Worlds leading.." that the company uses to market itself. Have you guys even heard of "18 US Code 20"? Aren't you guys worried about being sued for all these LIES?

Here - The government can print you out a copy of the governments definition of "Financial Institution": 

 http://www.gpo.gov/fdsys/granule/USCODE-2011-title18/USCODE-2011-title18-partI-chap1-sec20/content-detail.html

Can anyone from Opes shed some light as to WHY anyone should do business with a company that's "Vice President" misrepresents and lies on her FACEBOOK business page, and/or do business with a company that is owned by someone with a Financial (FINRA) and legal background as shoddy as that of "Rake Murray?"