On August 19, 2021 the California Department of Financial Protection and Innovation entered a Desist and Refrain Order against Craig A. Ponder, Sr. FWI Alternative Marketing, LLC Ponder Financial & Retirement Firm, Inc. (collectively referred to as “Respondents”). The D&R, arises from Respondents’ alleged attempt to to induce the purchase or sale of securities consisting of promissory notes issued by at least two oil and gas businesses, Petro Rock Mineral Holdings, LLC (PRMH) and Future Income Payments, LLC (FIP). Respondents allegedly did not have licenses to sell securities and further directed their sales efforts towards retirees with pensions, who were in need of additional income (pensioners). California D&R Dated August 19, 2021.