Florence Wangechi Muchori Hull (CRD #6297328) Has Employment Separation and Financial Disclosures on FINRA BrokerCheck

Florence Wangechi Muchori Hull (CRD #6297328) was previously registered as a broker. Her FINRA BrokerCheck report shows one employment separation disclosure and two financial disclosures. We reviewed her BrokerCheck report on May 12, 2026. If you invested with Florence Hull and have concerns, keep reading.

BrokerCheck link: BrokerCheck

BrokerCheck report: BrokerCheck Report (PDF)

Employment Separation After Allegations

Florence Hull’s FINRA BrokerCheck Report reflects one employment separation disclosure. A summary of the disclosure is below:

On April 2, 2026, Foundations Investment Advisors, LLC discharged Florence Hull. Florence Hull FINRA BrokerCheck states that the firm received a complaint forwarded by the SEC. The complaint alleged that a client transferred about $230,000 to the advisor. It said the funds would earn a 12% return.

Florence Hull FINRA BrokerCheck also states that the advisor could not provide investment documents when asked. The disclosure says the funds were only partly returned. It also says the matter remained under review. The firm stated that the transaction appeared to occur away from the firm. It also appeared to be outside its supervision.

Financial Disclosures

Florence Hull’s FINRA BrokerCheck Report reflects two financial disclosures. Summaries of both disclosures are below.

On March 26, 2018, Florence Hull FINRA BrokerCheck lists a financial disclosure involving Merrick Bank Corp. The action type was a compromise. BrokerCheck lists the disposition as satisfied or released. The original amount owed was about $700. The matter settled for $653.

On March 29, 2018, Florence Hull FINRA BrokerCheck lists a second financial disclosure involving First Premier Bank. The action type was a compromise. BrokerCheck lists the disposition as satisfied or released. The original amount owed was about $700. The matter settled for $506.

Rule Summary #1: FINRA Rule 3280 (Private Securities Transactions)

FINRA Rule 3280 governs private securities transactions. It generally requires written notice. In some cases, it also requires firm approval and supervision.

Rule Summary #2: FINRA Rule 2010 (Standards of Commercial Honor)

FINRA Rule 2010 requires high standards of commercial honor. It also requires just and equitable principles of trade.

Why This Matters to Investors (Regulation Best Interest)

Regulation Best Interest (Reg BI) is a U.S. securities regulation. It strengthens the standard of conduct that broker-dealers owe to retail investors. It applies when they recommend securities transactions or investment strategies. The U.S. Securities and Exchange Commission adopted Reg BI. It became effective on June 30, 2020. Reg BI aims to protect investors while preserving access to brokerage products and services.

Reg BI requires broker-dealers and financial advisors to act in a retail customer’s best interest at the time of a recommendation. They must not place their own financial or other interests ahead of the customer’s. This standard is higher than the older “suitability” rule. Suitability meant a recommendation only had to be appropriate. It did not have to be the best option or free of conflicts.

Reg BI has four key obligations:

Disclosure Obligation – Broker-dealers must disclose material facts about the relationship and the recommendation. This includes fees, the scope of services, and conflicts of interest.

Care Obligation – Broker-dealers must use reasonable diligence, care, and skill. They must consider costs, risks, and alternatives when making a recommendation.

Conflict of Interest Obligation – Firms must identify conflicts of interest. They must disclose them and mitigate or eliminate them. This includes conflicts that create incentives to favor one product over another.

Compliance Obligation – Firms must maintain policies and procedures. Those policies should be designed to ensure compliance with Reg BI as a whole.

Reg BI applies to each recommendation. It is not a continuous duty like the fiduciary standard for registered investment advisers. Even so, it narrows the gap. It puts more focus on costs, conflicts, and investor-focused decision-making.

Overall, Regulation Best Interest promotes transparency. It also aims to improve the quality of investment recommendations. It is designed to reinforce trust between retail investors and broker-dealers in the U.S. securities markets.

Background Information (from BrokerCheck)

Based on her FINRA BrokerCheck report, Florence Hull:

Is not currently registered as a broker.

Has passed the Securities Industry Essentials (SIE) exam. Florence Hull has also passed the Series 7 and Series 66 exams.

Was previously registered with firms that include Key Investment Services LLC, Waddell & Reed, HSBC Securities (USA) Inc., and Morgan Stanley.

Kurta Law Can Help

If you have concerns after working with Florence Hull, Kurta Law may be able to help. The firm can help you evaluate your legal options. A securities attorney can assess potential causes of action. An attorney can also explain whether losses may be recoverable through FINRA arbitration or other avenues. To speak with Kurta Law, call 877-600-0098 or email info@kurtalawfirm.com.

Helpful resources: Securities Attorney | What Is Securities Fraud

For nearly 20 years, Kurta Law has advocated for investors. It has helped hold financial professionals accountable. Our firm represents clients nationwide in securities arbitration and related disputes. An attorney can review the facts and explain possible next steps.