Thomas Patrick Manelski (CRD #3212342) Has Customer Dispute and Employment Separation Disclosures on FINRA BrokerCheck

Thomas Patrick Manelski (CRD #3212342) was previously registered as a broker. We reviewed his BrokerCheck report on February 8, 2026. It reflects a customer dispute and an employment separation disclosure. If you invested with Thomas Manelski and have concerns, keep reading.

BrokerCheck link: BrokerCheck

BrokerCheck report: BrokerCheck Report (PDF)

Employment Separation

Thomas Manelski’s FINRA BrokerCheck report reflects one employment separation disclosure. A summary is below:

On December 19, 2025, PNC Wealth Management discharged Thomas Manelski. The firm stated it conducted an internal investigation. It stated the review confirmed he knowingly structured cash transactions through a personal PNC Bank account to evade reporting requirements. The firm stated this violated its anti-money laundering policies.

Investor Disputes / Customer Complaints

Thomas Manelski’s FINRA BrokerCheck report reflects one customer dispute disclosure. A summary of the dispute is below:

On March 31, 2020, a customer alleged Thomas Manelski misinformed the customer about the features of a variable annuity. The customer sought $6,000 in alleged damages. FINRA BrokerCheck lists the product type as an annuity-variable. The matter was closed with no action on April 20, 2020. The disclosure lists a $0 settlement and a $0 individual contribution.

Rule Summary #1: FINRA Rule 3310 (Anti-Money Laundering Compliance Program)

FINRA Rule 3310 requires firms to maintain a written anti-money laundering program. It is designed to help firms detect and report suspicious activity. When a firm cites structured cash activity, this rule is often part of the compliance framework.FINRA Rule 3310

Rule Summary #2: FINRA Rule 2330 (Deferred Variable Annuities)

FINRA Rule 2330 sets standards for recommendations involving deferred variable annuities. It focuses on disclosure of key features and supervision around purchases and exchanges. Disputes may raise questions about what was explained and documented at the time of sale. FINRA Rule 2330

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 His FINRA BrokerCheck report, Thomas Manelski:

Is not currently registered as a broker.

Has passed the Securities Industry Essentials (SIE) exam. Thomas Manelski has passed Series 7 and Series 6. He has also passed Series 65 and Series 63.

Was previously registered with firms that include PNC Wealth Management LLC and Fiserv Investor Services, Inc.

Kurta Law Can Help

If you have worked with Thomas Manelski and you have concerns about his activity, Kurta Law may be able to help you evaluate your legal options. To speak with Kurta Law, call 877-600-0098 or email info@kurtalawfirm.com.

Helpful resources: Variable Annuities | Unsuitable Investments

For nearly 20 years, Kurta Law has advocated for investors and helped hold financial professionals accountable. Our firm represents clients nationwide in securities arbitration and related disputes. If you believe a broker or firm mishandled your account, an attorney can review the facts and explain possible next steps.