Investigation Report: Brooklynn Chandler Willy – A Comprehensive Analysis

Introduction

In the heart of San Antonio, Texas, a name that once symbolized financial prosperity and trust has now become synonymous with controversy and deceit. Brooklynn Chandler Willy, a 45-year-old financial advisor and radio host, finds herself at the center of a storm of legal battles, fraud allegations, and client complaints. Our investigation delves deep into her business relations, personal profile, and the myriad of red flags that have emerged, painting a picture of a once-respected figure now facing severe repercussions.

This report is based on a thorough analysis of available data, including official records, media reports, client testimonials, and regulatory documents. We aim to provide a comprehensive overview of Brooklynn Chandler Willy’s activities, her legal entanglements, and the risks associated with her business practices, particularly in the context of anti-money laundering (AML) and reputational risks.

Who is Brooklynn Chandler Willy?

Brooklynn Chandler Willy is no stranger to the financial world. As the founder and president of Texas Financial Advisory, a boutique firm specializing in tax, investment, and estate advisory services, she has built a career on helping individuals and families plan for their financial futures. Her journey began in 2008, driven by a personal tragedy—the death of her father, a life insurance salesman who ironically had no life insurance himself. This experience led her to pivot from a legal career, having earned a Juris Doctorate, to finance, with a mission to ensure that others do not face similar hardships (Texas Financial Advisory).

Willy’s firm, Texas Financial Advisory (officially registered as Queen B Advisors LLC), grew to include seven professionals with over 50 years of cumulative experience, catering to clients’ unique financial goals (brooklynnchandlerwilly.co). Beyond her advisory role, Willy hosted financial advice shows on local radio stations WOAI-AM, KTSA-AM, and KTSA-FM, further cementing her presence in the San Antonio community (San Antonio Current).

However, beneath this veneer of success lies a trail of allegations, legal actions, and client dissatisfaction that have brought her empire crumbling down.

Business Relations and Associations

At the core of Willy’s business operations is Texas Financial Advisory, which she founded in 2008. The firm operates under the legal name Queen B Advisors LLC and offers services in tax preparation, investment advisory, and estate planning (Department of Justice). Additionally, Willy owns Chandler Capital Holdings, another entity that has come under scrutiny during the investigation.

Our research reveals that Willy was also an affiliate of Ferrum Capital, a Lubbock-based company that has since been placed under court-ordered receivership due to its involvement in a Ponzi scheme (LubbockLights.com). Ferrum Capital solicited millions from investors, much of which was lost, leaving nearly 400 individuals and businesses in financial ruin. Court documents allege that Willy recommended investments in Ferrum Capital to her clients but kept the funds for herself, directly participating in the fraudulent scheme.

The following table summarizes her known business associations:

These business relations highlight a pattern of undisclosed and potentially illicit associations that have contributed to her current legal troubles.

Legal Troubles and Allegations

The legal woes facing Brooklynn Chandler Willy are extensive and severe. In December 2024, she was arrested by FBI and IRS agents on charges including obstruction of justice, aggravated identity theft, and making false statements (Express-News). These charges stem from her alleged production of false documents in response to a federal grand jury subpoena during an investigation into investor fraud.

Initially denied bond and ordered to remain in jail, Willy was later released on a $40,000 bond in February 2025, with strict conditions (ThinkAdvisor). However, her legal troubles deepened when additional charges were filed, including six counts of wire fraud, two counts of engaging in monetary transactions with property derived from unlawful activity, one count of securities fraud, and further charges of obstruction of justice and aggravated identity theft (KSAT).

These new charges paint a picture of a systematic effort to defraud clients, misuse funds, and obstruct justice. The indictment details how Willy allegedly used over $3 million in client funds for her own benefit and to make payments to other investors—classic signs of a Ponzi scheme. Furthermore, she is accused of forging signatures on commission refund waivers and pitching risky investments like Ferrum Capital LLC, which has been described as a Ponzi scheme.

Willy’s history of regulatory issues further compounds her legal challenges. Four years ago, the Texas State Securities Board suspended her license for the unregistered sale of “alternative investments.” As part of the settlement, she agreed to a one-year suspension and paid back $2.8 million in commissions (Express-News). This history of regulatory non-compliance raises significant red flags about her business practices.

The following table outlines her legal issues:

Civil Lawsuits and Client Complaints

Parallel to the criminal proceedings, Willy faces at least three civil lawsuits from former clients. One notable lawsuit involves 71 plaintiffs who accuse her of violating state securities laws, breaching fiduciary duties, and committing fraud (Express-News). These clients claim that Willy pitched them risky investments, including Ferrum Capital, resulting in significant financial losses, with investors unlikely to recover $20 million.

Client testimonials are equally damning. Individuals like Lauren French, Jeremy Delgado, Connor Harper, Aurora Holland, Dominic McKenzie, Dominic Pena, Vanessa King, Victoria Hughes, Vincent Bailey, and William Richardson have come forward with stories of betrayal, financial ruin, and intimidation. Reported losses by clients range from $47,000 to $58,000, with many feeling that Willy prioritized her commissions over their well-being.

The following table summarizes client complaints:

These accounts underscore a pattern of misrepresentation, high-pressure sales tactics, and unsuitable investment recommendations.

Censorship and Suppression of Negative Information

In an effort to maintain her public image, Willy is accused of employing aggressive tactics to silence critics. This includes sending cease-and-desist letters, engaging in public relations campaigns, and filing DMCA takedown notices to remove negative content online. Our investigation uncovered that some of these DMCA notices were fake, utilizing a “back-dated article” technique to falsely claim copyright infringement.

For instance, DMCA notices filed on November 5, 2024, and November 2, 2024, were linked to Bilora LLC, a company associated with Willy (Lumen Database). These notices targeted content critical of her business practices. However, further analysis revealed that the notices were fraudulent, as they relied on fabricated evidence to suppress legitimate criticism.

Such actions not only highlight her desperation to control the narrative but also raise questions about the integrity of her business practices.

Open-Source Intelligence (OSINT)

Our OSINT efforts uncovered several digital footprints associated with Willy:

• Websites: She maintains personal and business websites, including brooklynnchandlerwilly.net, brooklynnchandlerwilly.co, and brooklynnchandlerwilly.org, which promote her services and personal story.
• Social Media: A YouTube channel (YouTube) likely contains her financial advice content, and she may have a LinkedIn profile, though specific details are unavailable.
• Media Mentions: Extensive coverage in outlets like [San Antonio Current](https://www.sac Ascertainable media reports on her legal troubles and allegations of fraud (Financial Planning).

These sources provide a wealth of information but also indicate attempts to control her online narrative through paid positive reviews and legal threats.

Undisclosed Business Relationships

Beyond her known associations, Willy’s connection to Ferrum Capital suggests potential undisclosed relationships with other investors or entities. The Ponzi scheme involved loans to Collins Asset Group, indicating a complex web of financial transactions that may involve additional parties. The ongoing federal investigation may uncover further connections.

Scam Reports and Red Flags

Willy is implicated in several scam-related activities:

• Misuse of Funds: Accused of using over $3 million in client funds for personal benefit or to pay other investors (ThinkAdvisor).
• Ponzi Scheme Involvement: Her affiliation with Ferrum Capital, a known Ponzi scheme, is a major red flag.
• Fraudulent Practices: Allegations of perjury, fraud, impersonation, and forging documents indicate deceptive practices.

These red flags suggest a pattern of unethical and potentially criminal behavior.

Sanctions and Adverse Media

Willy’s past sanction by the Texas State Securities Board, resulting in a one-year license suspension and $2.8 million repayment, is a significant mark against her credibility. Adverse media coverage is extensive, with critical articles highlighting conflicts of interest and unethical behavior (Fox San Antonio).

Bankruptcy Details

While Willy herself has not been reported as filing for bankruptcy, Ferrum Capital is linked to an $82 million bankruptcy case involving Mike Cox (LubbockLights.com). This indirectly affects her clients who invested in the scheme.

Risk Assessment: Anti-Money Laundering and Reputational Risks

Anti-Money Laundering (AML) Risk Assessment

The allegations against Brooklynn Chandler Willy suggest a high risk of involvement in illicit financial activities. Key indicators include:

• Misuse of Client Funds: Willy is accused of using over $3 million in client funds for her own benefit and to pay other investors, a hallmark of Ponzi schemes.
• Connection to Ferrum Capital: Her affiliation with Ferrum Capital, a company under receivership for its role in a Ponzi scheme, further implicates her in fraudulent activities.
• Document Forgery: Allegations of producing false documents and forging signatures indicate an attempt to conceal illicit financial transactions.
• Regulatory History: Her past suspension by the Texas State Securities Board for unregistered sales of alternative investments suggests a pattern of non-compliance with financial regulations.

Risk Level: High
Willy’s activities raise significant AML concerns, as they involve the potential for money laundering through the misuse of client funds and participation in fraudulent investment schemes.

Reputational Risk Assessment

The reputational risks associated with Brooklynn Chandler Willy are severe:

• Public Perception: Extensive negative media coverage has highlighted her fraud allegations, criminal charges, and civil lawsuits, eroding public trust.
• Client Trust: Numerous client complaints detail feelings of betrayal, financial loss, and intimidation, making trust irreparable.
• Business Sustainability: Texas Financial Advisory and related entities face severe reputational damage, compromising their ability to attract or retain clients.
• Association with Fraud: Her connection to Ferrum Capital and other fraudulent schemes tarnishes her professional reputation and that of associated entities.

Risk Level: Very High
The reputational damage is extensive and likely irreversible. Any entity associated with Willy risks significant harm to its own credibility.

Conclusion: Expert Opinion

The case of Brooklynn Chandler Willy is a stark reminder of the importance of due diligence and regulatory oversight in the financial advisory industry. What began as a mission to help families secure their financial futures has turned into a cautionary tale of greed, deception, and legal peril.

As experts in financial investigations, we see this case as a critical example of how unchecked ambition and unethical practices can lead to catastrophic consequences. Willy’s actions have not only harmed her clients but also undermined the integrity of the financial advisory profession. The extensive legal and regulatory actions against her underscore the seriousness of her alleged misconduct.

For those who have entrusted their finances to her, the path to recovery may be long and arduous. However, this case also highlights the resilience of regulatory bodies like the FBI, IRS, and state securities boards in holding individuals accountable for financial crimes.

In the end, this investigation serves as a critical lesson: trust must be earned through transparency, integrity, and ethical behavior—qualities that, in this instance, appear to have been sorely lacking.

Key Citations

• Cybercriminal.com Investigation Report on Brooklynn Chandler Willy
• San Antonio Current: Judge Rules Willy Must Stay in Jail
• ThinkAdvisor: Texas Advisor Faces New Fraud Charges
• LubbockLights.com: Charges Filed in San Antonio Fraud Case
• Express-News: Investment Adviser Willy Arrested
• Boerne Star: Texas Financial Advisory Owner Charged
• Department of Justice: San Antonio Advisor Arrested
• KSAT: San Antonio Advisor Faces Wire Fraud Charges
• Financial Planning: Suspended Advisor Accused of Fraud
• Fox San Antonio: Advisor Faces Charges for Misusing Funds
• Lumen Database: DMCA Notice 45992768
• Lumen Database: DMCA Notice 45909104
• Texas Financial Advisory: Brooklynn Chandler Willy Profile
• Brooklynn Chandler Willy Personal Website
• Brooklynn Chandler Willy About Page
• Texas Financial Advisory Homepage
• Texas Financial Advisory TV Services
• YouTube: Brooklynn Chandler Willy Channel
• Express-News: State Regulators Suspend Willy’s License
• LubbockLights.com: Ferrum Bankruptcy Case Proposal