text:
    161 A.3d 795
    Scott F. LINDE, as Trustee of the Scott F. Linde Family’s Corporation Trust, Petitioner v. Eric LINDE and Linde Enterprises, Inc., a Pennsylvania Corporation, Respondents
    No. 492 MAL 2016
    Supreme Court of Pennsylvania.
    November 22, 2016
   ORDER

PER CURIAM

AND NOW, this 22nd day of November, 2016, the Petition for Allowance of Appeal is DENIED.


source: Caselaw Access Project

author: PER CURIAM

license: Public Domain

text:
    161 A.3d 795
    COMMONWEALTH of Pennsylvania, Respondent v. Robert Harry THOMAS, Petitioner
    No. 484 MAL 2016
    Supreme Court of Pennsylvania.
    November 22, 2016
   ORDER

PER CURIAM

AND NOW, this 22nd day of November, 2016, the Petition for Allowance of Appeal and Motion to Answer are DENIED,


text:
    161 A.3d 795
    COMMONWEALTH of Pennsylvania, Respondent v. Robert M. JENNINGS III, Petitioner
    No. 464 MAL 2016
    Supreme Court of Pennsylvania.
    November 22, 2016
   ORDER

PER CURIAM

AND NOW, this 22nd day of November, 2016, the Petition for Allowance of Appeal is DENIED.


text:
    161 A.3d 796
    James D. SCHNELLER, Petitioner v. Elizabeth CAVANAUGH-KERR and Marjorie Zitomer, Respondents
    No. 455 MAL 2016
    Supreme Court of Pennsylvania.
    November 22, 2016
   ORDER

PER CURIAM

AND NOW, this 22nd day of November, 2016, the Petition for Allowance of Appeal, Application for Relief of Writ of Mandamus to the Trial Court, and Application for Relief of Peremptory Mandamus are DENIED.


text:
    161 A.3d 796
    IN RE: ESTATE OF Neva OESCHGER, Deceased Petition of: William Oeschger
    No. 446 MAL 2016
    Supreme Court of Pennsylvania.
    November 22, 2016
   ORDER

PER CURIAM

AND NOW, this 22nd day of November, 2016, the Petition for Allowance of Appeal is DENIED.


text:
    161 A.3d 796
    COMMONWEALTH of Pennsylvania, Respondent v. Tabu Nazshon PHILLIPS, Petitioner
    No. 425 MAL 2016
    Supreme Court of Pennsylvania.
    November 22, 2016
   ORDER

PER CURIAM

AND NOW, this 22nd day of November, 2016, the Petition for Allowance of Appeal is DENIED.

Justice Mundy did not participate in the consideration or decision of this matter.


text:
    161 A.3d 797
    COMMONWEALTH of Pennsylvania, Respondent v. Kemoh A. ROGERS, Petitioner
    No. 418 MAL 2016
    Supreme Court of Pennsylvania.
    November 22, 2016
   ORDER

PER CURIAM

AND NOW, this 22nd day of November, 2016, the Petition for Allowance of Appeal is DENIED.


text:
    161 A.3d 797
    Erin Patricia TOKASH, Respondent v. Jeffrey Lawrence TOKASH, Petitioner
    No. 377 MAL 2016
    Supreme Court of Pennsylvania.
    November 22, 2016
   ORDER

PER CURIAM

AND NOW, this 22nd day of November, 2016, the Petition for Allowance of Appeal is DENIED.

Justice Mundy did not participate in the consideration or decision of this matter.


text:
    161 A.3d 797
    COMMONWEALTH of Pennsylvania, Respondent v. Damiyell VAUGHTER, Petitioner
    No. 394 EAL 2016
    Supreme Court of Pennsylvania.
    November 22, 2016
   ORDER

PER CURIAM

AND NOW, this 22nd day of November, 2016, the Petition for Allowance of Appeal is DENIED.


text:
    161 A.3d 797
    COMMONWEALTH of Pennsylvania, Respondent v. German SANTINI, Petitioner
    No. 356 EAL 2016
    Supreme Court of Pennsylvania.
    November 22, 2016
   ORDER

PER CURIAM

AND NOW, this 22nd day of November, 2016, the Petition for Allowance of Appeal is DENIED.

Justice Mundy did not participate in the consideration or decision of this matter.


text:
    161 A.3d 798
    COMMONWEALTH of Pennsylvania, Respondent v. Erich MORITZ, Petitioner
    No. 351 EAL 2016
    Supreme Court of Pennsylvania.
    November 22, 2016
   ORDER

PER CURIAM

AND NOW, this 22nd day of November, 2016, the Petition for Allowance of Appeal is DENIED.


text:
    161 A.3d 798
    COMMONWEALTH of Pennsylvania, Respondent v. Wendy CASTRO, Petitioner
    No. 310 EAL 2016
    Supreme Court of Pennsylvania.
    November 22, 2016
   ORDER

PER CURIAM

AND NOW, this 22nd day of November, 2016, the Petition for Allowance of Appeal is GRANTED. The issues, rephrased for clarity, are:

(1) In view of Payton v. New York, 445 U.S. 573 (1980), and Steagald v. United States, 451 U.S. 204 (1981), did the Superior Court err in concluding that an arrest warrant for Earnest Moreno authorized entry into the residence of Angel Romero and Wendy Castro for the purpose of executing the arrest warrant?
(2) Did the Superior Court apply an erroneous standard of review regarding the suppression court’s finding of fact that the authorities did not have express permission to enter the residence of Angel Romero and Wendy Castro?


text:
    161 A.3d 799
    COMMONWEALTH of Pennsylvania, Respondent v. Anthony JOHNSON, Petitioner
    No. 297 EAL 2016
    Supreme Court of Pennsylvania.
    November 22, 2016
   ORDER

PER CURIAM

AND NOW, this 22nd day of November, 2016, the Petition for Allowance of Appeal is DENIED.

Justice Mundy did not participate in the consideration or decision of this matter.


text:
    161 A.3d 799
    COMMONWEALTH of Pennsylvania, Respondent v. Kyle RAINEY, Petitioner
    No. 294 EAL 2016
    Supreme Court of Pennsylvania.
    November 22, 2016
   ORDER

PER CURIAM

AND NOW, this 22nd day of November, 2016, the Petition for Allowance of Appeal is DENIED.


text:
    161 A.3d 799
    COMMONWEALTH of Pennsylvania, Respondent v. Nafeese TURNER, Petitioner
    No. 286 EAL 2016
    Supreme Court of Pennsylvania.
    November 22, 2016
   ORDER

PER CURIAM

AND NOW, this 22nd day of November, 2016, the Petition for Allowance of Appeal is DENIED.


text:
    161 A.3d 799
    COMMONWEALTH of Pennsylvania, Respondent v. Marc C. DRAPER, Petitioner
    No. 249 EAL 2016
    Supreme Court of Pennsylvania.
    November 22, 2016
   ORDER

PER CURIAM

AND NOW, this 22nd day of November, 2016, the Petition for Allowance of Appeal is DENIED.


text:
    161 A.3d 800
    COMMONWEALTH of Pennsylvania, Respondent v. Wilfredo MELENDEZ, Petitioner
    No. 338 EAL 2016
    Supreme Court of Pennsylvania.
    November 22, 2016
   ORDER.

PER CURIAM

AND NOW, this 22nd day of November, 2016, the Petition for Allowance of Appeal is DENIED.


text:
    161 A.3d 800
    John DOE 1, John Doe 2, John Doe 3 and Jane Doe 1, Respondents v. FRANKLIN COUNTY, Franklin County Sheriff's Office, Franklin County Sheriff Dane Anthony and Employee John/Jane Does, Petitioners
    No. 431 MAL 2016
    Supreme Court of Pennsylvania.
    December 21, 2016
   ORDER

PER CURIAM

AND NOW, this 21st day of December, 2016, the Petition for Allowance of Appeal is GRANTED. LIMITED TO the issue set forth below. Allocatur is DENIED as to all remaining issues. The issue rephrased for clarity, is:

(1) Whether the General Assembly intended to abrogate high public official immunity when it enacted 18 Pa. C.S. § 6111(i)?


author: JUSTICE MUNDY JUSTICE DONOHUE,

text:
    161 A.3d 800
    OFFICE OF DISCIPLINARY COUNSEL, Petitioner v. Peter James QUIGLEY, Respondent
    No. 30 DB 2015
    No. 2262 Disciplinary Docket No. 3
    Attorney Registration No. 37440 (Monroe)
    Supreme Court of Pennsylvania.
    ARGUED: December 6, 2016
    DECIDED: June 20, 2017

      Paul J. Killion, Esq., Kristin Ann Wells, Esq., Disciplinary Board of the Supreme Court of PA, for Office of Disciplinary Counsel, Petitioner.
    Thomas P. Sundmaker, Esq., Law Offices of Thomas P. Sundmaker, for Quigley, Peter James, Respondent.
    SAYLOR, C.J., BAER, TODD, DONOHUE, DOUGHERTY, WECHT, MUNDY, JJ.
   OPINION

JUSTICE MUNDY

Respondent, Peter James Quigley, has filed exceptions to the Report and Recommendation by the Disciplinary Board of the Supreme Court of Pennsylvania (the Board) recommending his disbarment. For the reasons that follow, we adopt the recommendation of the Board and order Respondent’s disbarment.

On February 20, 2015, the Office of Disciplinary Counsel (ODC) filed a petition for discipline alleging Quigley violated the Rules of Professional Conduct by mishandling the funds of five clients. On July 9, 2015, a three-member Hearing Committee held a disciplinary hearing, prior to which the parties jointly stipulated to the following facts regarding the five matters.

Harold Woodling, a friend of Quigley for whom he had done legal work in the past, retained Quigley to handle the administration of his wife’s estate and a wrongful death claim following her death in July 2012. Woodling and Quigley agreed that Quigley’s fee would be one-third of any gross recovery from the insurance claims. Quigley settled five insurance claims totaling $557,705.00 and was therefore entitled to a fee of $185,901.66. The settlement funds were deposited in Quigley’s IOLTA account. He made two payments to Woodling in 2012 totaling $133,500.00. Quigley withdrew funds in arbitrary amounts from August 2012 to July 2013. On January 2, 2013, Quigley obtained a cashier’s cheek for $165,000.00 drawn from his IOLTA account in order to satisfy a lien by Attorney Mark Primrose, with whom Quigley shared ownership of an office building. After the withdrawal of $165,000.00, the IOLTA account held a balance of $148,998.01 despite the fact that Quigley had not yet disbursed the remaining $238,303.34 owed to Woodling. In April 2013, Quigley made payment to Woo-dling in the amount of $117,000.00. Following the initiation of disciplinary proceedings, Quigley paid the remaining settlement funds owed to Woodling. Quigley stipulated that his conduct in this matter violated Rule of Professional Conduct 1.3, which provides, “a lawyer shall act with reasonable diligence and promptness in representing a client,” and Rule of Professional Conduct 1.15(e) which requires that a lawyer promptly deliver to the client or third party any funds which the client or third party is entitled to receive.

Debra Tirado retained Quigley to represent her in a personal injury claim following a slip-and-fall accident in January 2011. Tirado and Quigley agreed Quigley would receive one-third of any gross recovery. The trial court directed that the proceeds from the settlement should be distributed as follows: attorney’s fees to Quigley in the amount of $28,750.00; $2,560.29 for case expenses; $7,107.00 to medical providers; $8,678.79 to satisfy a lien from the Department of Public Welfare (the Department); and $69,892.92 to Tirado. The Department agreed to accept a reduced sum of $6,509.09 to satisfy its lien. However, at the close of the business day on February 28, 2014, Quigley had not paid the Department, and his IOLTA account had a balance of $13.30. After notification of disciplinary proceedings against him, Quigley paid the Department $6,509.09, satisfying the payment owed. The parties stipulated Quigley’s conduct violated Rules of Professional Conduct 1.3 and 1.15(e).

Hilda Dozier retained Quigley to represent her in her personal injury claim following her August 2013 car accident. After Quigley settled the case and disbursed some of the settlement funds, he informed Dozier he would hold $10,000.00 in trust for possible medical liens that might arise. Independence Blue Cross determined that no money was owed in relation to any insurance lien. Quigley failed to disburse the $10,000.00 promptly, and his IOLTA account reflected a balance of $262.96 as of January 17, 2014. After disciplinary proceedings were initiated against Quigley, he wrote to Dozier and enclosed a cashier’s check for the $10,000.00 owed to her. The parties stipulated that Quigley’s conduct in this matter violated Rules of Professional Conduct 1.3, and 1.15(e). In addition, the parties stipulated that Quigley violated Rule of Professional Conduct 1.15(b), which provides, “[a] lawyer shall hold all Rule 1.15 Funds and property separate from the lawyer’s own property. Such property shall be identified and appropriately safeguarded.” The parties further stipulated to a violation of Rule 8.4(c), which states that it is professional misconduct for a lawyer to “engage in conduct involving dishonesty, fraud, deceit or misrepresentation.”

Quigley was retained by Heather Wallace to represent her in a personal injury claim and ultimately settled the claim for $10,000.00 in 2013. He deposited the settlement funds into his IOLTA account. The settlement was to be disbursed as follows: $3,000.00 to Heather Wallace, $3,666.67 to Quigley for attorney’s fees, and $3,333.33 to a third-party company for a subrogation claim. Quigley failed to promptly disburse the funds, and his IOLTA account had a balance of $13.73 on February 13, 2014. He disbursed the funds due to Wallace and the third-party company following notification of the disciplinary charges. The parties stipulated that he violated Rules of Professional Conduct 1.3, 1.15(b), and 1.15(e) in the course of his representation in this matter.

Joanne Larocque retained Quigley to represent her in her personal injury action in August 2013, and they agreed Quig-ley would receive one-third of the settlement in attorney’s fees. The case settled in May 2014 for $10,000.00, and Quigley received two $5,000.00 settlement checks. One check was made payable solely to Larocque, and Quigley forwarded her that check. The other check was made payable to both Quigley and Larocque. Quigley deposited the check into his IOLTA account, and withdrew $2,500.00 of the $3,333.33 in fees he was owed. Quigley sent a check to Larocque from his IOLTA account for $1,667.00, the remaining settlement amount to which she was entitled. However, when Larocque attempted to cash the check, there were insufficient funds in the IOLTA account. Specifically, the account had a balance of $403.30. Prior to the initiation of disciplinary proceedings, Quigley provided Larocque with a personal check for $1,667.00. The parties stipulated that Quigley’s behavior constituted a violation of Rule of Professional Conduct 1.15(b).

The ODC called three witnesses at the hearing: an auditor investigator who testified regarding his investigation of Quig-ley’s IOLTA account, Harold Woodling, and Attorney Mark Primrose. Woodling testified that he knew Quigley for forty years and had retained him for legal work “on and off.” N.T., 7/9/15, at 31. Woodling explained that he retained Quigley to handle the administration of his late wife’s estate, Quigley was still handling it at the time of the hearing, and that Woodling did not recall agreeing Quigley could keep or borrow any of the money from his wife’s estate. Id. at 31-33. On cross-examination, Woodling testified that he had lent Quigley $25,000.00 in 2006 which had not been reimbursed. Id. at 34-36. During redirect examination, Woodling testified that Quig-ley had specifically asked to borrow the $25,000.00 sum in 2006, and Quigley did not ask to borrow any of the funds that arose from the settlement of his wife’s estate in 2012. Id. at 38-39.

Primrose testified he and Quigley became law partners in 1988, but they dissolved the practice in the late 1990s over concerns with money. Id. at 41-42. Primrose explained that he and Quigley shared office space in the same building, but Quigley started to fall behind on his share of the expenses in 2010. Id. at 44. In 2011, Primrose purchased Quigley’s one-half interest in the office building they shared, and in 2013, Quigley tendered a check to Primrose for $165,000.00 to be applied toward repurchasing his interest. Id. Primrose indicated that because Quigley was subject to an Internal Revenue Service (IRS) lien and had other past unreimbursed expenses owed to Primrose, that “nothing was finalized” regarding the repurchase. Id. Primrose testified on cross-examination that Quig-ley was a competent attorney and had “a generally good reputation as a good trial attorney” in the community. Id. at 47. Following Primrose’s testimony, the ODC rested.

Quigley testified he began practicing law in 1982, and detailed his career and involvement in community activities over the course of his career. See id. at 52-58, 62. Quigley testified that he employed his own bookkeeper from 1997 until she moved away in April 2013, and during the time she was employed, she managed the IOLTA account for him. Id. at 59-61. He began to experience financial strain in 2008 and 2009 following the market collapse, and sold apartment buildings that he owned in order to afford to maintain his practice. Id. at 60-61. However, in 2010, the IRS began filing liens against him because he failed to account for capital gains when he filed his taxes, and the IRS situation “continued to worsen” over the years. Id. at 61-64. Quigley testified that he began taking money out of his IOLTA account in 2013 in “piecemeal” amounts “based on need” in order to run his practice and to avoid detection from the IRS. Id. at 64, 68-69. He acknowledged his handling of the funds was “improper.” Id. at 68.

Quigley attributed his mishandling of the funds to a combination of personal circumstances in 2013. Specifically, he cited his longtime bookkeeper leaving in the Spring of 2013, the dissolution of a seventeen-year romantic relationship in 2012 or 2013, and a decline in business due to a misprint of his office phone number in a phonebook advertisement which was printed in June 2013. Id. at 71-74. He testified that when the advertisement was corrected in the summer of 2014, his business improved, and he began paying back creditors. Id. at 75. However, with respect to the Woodling matter, Quigley averred that he had informed Woodling of the lien on his office building in 2012, and Woodling agreed to lend him the money. Id. at 82-83. He agreed it was improper to use Woodling’s funds; however, he maintained the funds were used with the permission of Woodling. Id. at 84. On cross-examination, he speculated that Woodling, who was 84 years old at the time of the hearing, was unable to recall giving permission because of his “faulty memory.” Id. at 88-89.

John Abbruzzese, Ph.D., a licensed psychologist, testified on behalf of Quigley. He testified he has known Quigley since the mid-1980s, and had a professional and personal relationship with him. Id. at 102-03. Dr. Abbruzzese met with Quigley for approximately two and one-half hours on July 19, 2015, and prepared a report of his conclusions based on that meeting. Id. at 103-04, 110. He opined that if Quigley had been seen by a psychologist in 2013 for the stressors he experienced, i.e., the loss of his bookkeeper, the dissolution of his long-term relationship, and the misprint in his phone book advertisement, he would have been diagnosed with depression and “some post-traumatic stress.” Id. at 106-07. When asked by Quigley’s counsel what effect those diagnoses would have on the mismanagement of client funds, Dr. Abbruzzese offered the following opinion.

Well, when a person suffers from either or both of those, there’s no real ability to concentrate on anything. All you do is fly as best you can maybe on one wing and that’s what Mr. Quigley was doing, and he needed both wings to fly. And ... that I think is why he made whatever errors he allegedly made.

Id. at 107. He further opined that the mismanagement was not intentionally undertaken by Quigley; rather, “he was reacting to situations as they appeared but not as they really were, and that’s part of the depression as well as the anxiety that goes with it[.]” Id. at 108. He expressed the belief that Quigley could continue to practice law but would benefit from “occasional therapy” to resolve emotional issues and prevent “another error down the line.” Id. at 108-09. Dr, Abbruzzese speculated that the misconduct “probably would not have happened had there been someone to assist him. He failed to seek out the assistance at the time which may have helped him.” Id. at 118.

On cross-examination, Dr. Abbruzzese emphasized that the events Quigley attributed to his misconduct were “three factors that assisted him in making misjudgments[.]” Id. at 119— 120. Dr. Abbruzzese indicated that there was a “causal factor” between the events in Quigley’s personal life in 2013 and his handling of client funds. Id. at 119. He testified that he believed Quigley was capable of holding client funds at present, but Quigley would need to “work a little harder to be more diligent about his finances and get out of debt.” Id. at 123.

A member of the Hearing Committee asked whether Dr. Abbruzzese’s opinion would change if any of the misconduct occurred before Quigley experienced the three stressors. Dr. Abbruzzese replied it would alter his opinion in the matter “because there wouldn’t have been any basis for some of the actions that I would know of.” Id. at 127.

Lastly, Attorney Jeffrey Valender, a friend and professional acquaintance of Quigley for approximately thirty years, testified. He praised Quigley’s performance as a lawyer and characterized him as “excellent.” Id. at 131, He testified that if Quigley were to continue to practice law, Valender would not find the disciplinary issues an impediment to referring clients to Quigley because he did not believe the issue would reoccur in the future. Id. at 131-32.

On November 9, 2015, the Hearing Committee filed a report and recommendation. The Hearing Committee comprehensively detailed the stipulated facts of the case and the testimony presented. See Hr’g Comm. Report, 11/9/15, at 1-20. The Hearing Committee also made numerous findings of fact based on the stipulations and testimony presented including, inter alia, the following.

72. Mr. Woodling did not consent to allow [Quigley] to withdraw funds from his wife’s estate to satisfy [Quigley’s] personal obligation.
73. [Quigley] did not recommend that Mr. Woodling consult with other counsel concerning any request for a loan. Nor is there any paperwork or other writing documenting any loan.
74. [Quigley] has not fully repaid the funds that he borrowed from the Woodlings in or about 2006.
75. [Quigley] cooperated in the disciplinary proceeding, as evidenced by the extensive stipulation and admissions.

Id. at 31.

The Hearing Committee concluded that “[t]he serious nature of [Quigley’s] mishandling of client funds, the fact that the defalcation extended over a number of years and the associated misrepresentations warrant the extreme sanction of disbarment.” Id. at 34. The Hearing Committee did not find the personal difficulties Quigley experienced mitigated or diminished the serious nature of his conduct. Id. at 35. It highlighted that the resignation of Quigley’s bookkeeper and the misprint in the phone book occurred after Quigley began comingling personal and client funds and after Quigley used the Woodling money to satisfy his lien on the office. Id.

Next, the Committee turned to Quigley’s position that his depression and post-traumatic stress disorder warranted a lesser disciplinary disposition. The Committee concluded this position did not serve to mitigate his offenses on several bases. First, it determined that the testimony of Dr. Abbruzzese did not demonstrate by clear and convincing evidence that there-was a causal connection between Quigley’s diagnoses and his conduct as required by ODC v. Braun, 520 Pa. 157, 553 A.2d 894 (1989). It found Dr. Abbruzzese’s testimony “uncertain and therefore insufficient to demonstrate the requisite causal link.” Hr’g Comm. Report, 11/9/15, at 36. Further, it highlighted that Dr. Abbruzzese’s testimony revealed that he was not fully apprised of the details and extent of Quigley’s misconduct. Id. The Committee found the opinion not credible because Dr. Abbruzzese testified his opinion would differ if the misconduct occurred prior to the onset of the three circumstances to which Quigley attributes his behavior, and the record showed that the commingling of client funds began before Quigley’s bookkeeper resigned and before the misprint in the phone book advertisement occurred. Id. at 36. Finally, it took issue with Dr. Abbruzzese’s testimony because “he failed to explain how he made the diagnosis or precisely how he determined that [Quigley’s] misconduct related to the diagnosis.” Id.

The Committee found that Quigley knowingly commingled personal and client funds for the purpose of avoiding detection by the IRS, and not as a result of his other personal circumstances. Id. at 37. Finally, the Committee rejected Quigley’s argument that he should receive a lesser punishment because he has made restitution to his clients. The Committee acknowledged Quigley’s cooperation and admissions; however, it noted that restitution in four of the five matters only occurred after the initiation of disciplinary proceedings. The Committee also noted that in the instant case, the professional violations involved a pattern of intentional misconduct involving numerous clients. Id. at 38. Therefore, the Committee unanimously recommended disbarment.

Quigley filed exceptions to the recommendation with the Board. On April 7, 2016, the Board issued a report and recommendation agreeing with the assessment of the Hearing Committee, concluding Quigley violated Rules of Professional Conduct 1.3, 1.15(b) and (e), and 8.4(c), and recommending disbarment. Quigley filed a petition for review with this Court, and we granted oral argument.

In attorney discipline matters we exercise de novo review, and we are not bound by the findings and recommendations of the hearing committee or the Board, though we give them substantial deference. The ODC bears the burden of establishing attorney misconduct by a preponderance of the evidence. Because discipline is imposed on a case-by-case basis, we must consider the totality of facts presented, including any aggravating or mitigating factors.

ODC v. Preski, 635 Pa. 220, 134 A.3d 1027, 1031 (2016) (citations and some quotation marks omitted). “[T]he primary function of the attorney disciplinary system is not punitive in nature but is to determine the fitness of an attorney to continue the practice of law and maintain the integrity of the legal system.” ODC v. Cappuccio, 616 Pa. 439, 48 A.3d 1231, 1238-39 (2012). The objective is to protect the public and courts from attorneys unfit to practice law. Id. There is no per se rule on disbarment when an attorney commingles client and personal funds. ODC v. Monsour, 549 Pa. 482, 701 A.2d 556, 558 (1997). However, “[misappropriation of client funds is a serious offense that may warrant disbarment.” Id. (citations omitted). Indeed, “[a] client must ... rest assured that any financial transactions carried out on the client’s behalf will be scrupulously honest, will be accounted for at the client’s request, and will involve and [sic] immediate payment of funds that are due and owing to the client.” Id. (citation omitted).

Quigley has stipulated to violating several Rules of Professional Conduct; hence, the only issue is whether his conduct warrants the most serious sanction of disbarment or some lesser form of discipline is appropriate. See ODC v. Christie, 536 Pa. 394, 639 A.2d 782, 786 (1994).

Quigley submits “that his mishandling of funds was more the result of negligence, poor record keeping, and a lack of understanding of trust account principles, rather than dishonesty.” Quigley’s Brief at 8. He acknowledges that Woodling offered contradictory testimony, but maintains it was his “belief’ that Woodling indeed permitted Quigley to use settlement funds for his own benefit. Id. at 11-12.

With respect to all of his clients, Quigley argues, although he committed ethical violations, he did not possess criminal intent to defraud clients, and all of his clients have been paid in full. See id. at 13,15-17,19-21, 26. He further notes he has no prior history of discipline, has accepted responsibility for his actions, and has taken remedial action to avoid misconduct in the future. Id. at 8, 15-16, 19. This Court is unpersuaded that these circumstances mitigate the serious violations Quig-ley committed, as Quigley’s misconduct involved five separate clients over a three-year period. Further, he made full restitution to four of the clients only after disciplinary proceedings were initiated. See ODC v. Knepp, 497 Pa. 396, 441 A.2d 1197, 1201 (1982) (disbarment ordered for attorney who mishandled client monies and held insufficient funds in his escrow account over a four-year period, despite no previous disciplinary action; cooperating with investigators; demonstrating remorse; and returning client funds following initiation of disciplinary proceedings); ODC v. Lucarini, 504 Pa. 271, 472 A.2d 186, 186-91 (1983) (disbarment ordered for attorney who obtained clients’ signatures and placed them on a settlement draft without their knowledge; mishandled and commingled client funds for a period of two years; and misrepresented to Disciplinary Counsel the mishandling, despite mitigating evidence of recovery from alcoholism; paying back clients; retaining an accountant to monitor and maintain integrity of escrow account; and the agreement of attorney’s psychiatrist and several practicing attorneys to monitor his practice); Monsour, 701 A.2d at 557-60 (disbarment ordered for attorney who intentionally misappropriated client funds over a two-year period, despite ultimately stipulating to the offenses; paying clients in full after notification of disciplinary proceedings; and attempting, but failing, to demonstrate a causal connection between his misconduct and his alcohol abuse); ODC v. Keller, 509 Pa. 573, 506 A.2d 872, 879 (1986) (disbarment ordered for attorney who mishandled client funds between 1980-1982, including depositing a check with a forged signature, despite evidence that he was a competent member of the bar preceding the period of misconduct; he had an acrimonious breakup with his brother/business partner after which he began exhibiting irrational behavior; and his psychologist’s testimony in mitigation that attorney’s emotional condition rendered him not responsible for the misconduct).

Quigley also submits that his psychiatric condition was a causal factor in his misconduct, relying on the testimony of Dr. Abbruzzese. See Quigley’s Brief at 21-27. In order for a psychiatric condition to be considered a mitigating factor in a disciplinary proceeding, the respondent must demonstrate by clear and convincing evidence that the condition was a causal factor to the misconduct. Braun, 653 A.2d at 895-96; see Monsour, 549 Pa. at 487-88, 701 A.2d at 559. The record supports the determinations of the Hearing Committee and the Disciplinary Board that Quigley failed to show the depression and post-traumatic stress he experienced were causal factors in his misconduct. Dr. Abbruzzese opined that the stressors experienced by Quigley in 2013 were a causal factor to his mismanagement of funds; however, he did not demonstrate an understanding of the violations or their specific timeframes. See N.T., 7/9/15, at 108-110. Moreover, his testimony was speculative, noting that had Quigley addressed his issues, the violations “probably” would not have occurred. Id. at 118. Significantly, as pointed out by the Hearing Committee and the Board, Quigley’s misconduct with regard to the Woo-dling matter predated the resignation of his bookkeeper and the misprint in the phone book advertisement. Dr. Abbruzzese testified that misconduct occurring prior to the onset of the three stressors Quigley experienced would change his professional opinion on causation. Id. at 127. Accordingly, we conclude Quigley failed to demonstrate a causal connection between his misconduct and a psychiatric disorder sufficient to constitute a lesser disciplinary sanction in this matter. See Braun, 553 A.2d at 895-96.

For these reasons, we adopt the recommendation of the Disciplinary Board and order Peter James Quigley disbarred from the practice of law in this Commonwealth. We further order Quigley to comply with the provisions of Pa.R.D.E. 217, and pay costs pursuant to Pa.R.D.E. 208(g).

Chief Justice Saylor and Justices Baer, Todd and Dougherty join the opinion.

Justice Donohue files a dissenting opinion in which Justice Wecht joins.

JUSTICE DONOHUE,

Dissenting

I respectfully dissent from the Majority’s decision to impose the sanction of disbarment on the record presented here. The essential purpose of our system of lawyer discipline is “to protect the public from unfit attorneys and to maintain the integrity of the legal system.” Office of Disciplinary Counsel v. Keller, 509 Pa. 573, 506 A.2d 872, 875 (1986); In re Oxman, 496 Pa. 534, 437 A.2d 1169, 1174 (1981). While the aim of the disciplinary system is not intended to be punitive, sanctions are a necessary means to accomplish its end and are punitive in nature. Office of Disciplinary Counsel v. Lucarini, 504 Pa. 271, 472 A.2d 186, 190 (1983). At all times, we “must balance a concern for public welfare with a respect for the substantial interest that an attorney has in continuing his professional involvement in the practice of law....” Office of Disciplinary Counsel v. Kanuck, 517 Pa. 160, 535 A.2d 69, 74 (1987) (quoting Office of Disciplinary Counsel v. Lewis, 493 Pa. 519, 426 A.2d 1138, 1142 (1981)).

Disbarment is an extreme sanction properly reserved for only the most egregious matters, as it constitutes a termination of the privilege to practice law without any promise of ultimate reinstatement. Office of Disciplinary Counsel v. Cappuccio, 616 Pa. 439, 48 A.3d 1231, 1238 (2012). On several occasions, this Court has held that misappropriation of client funds may warrant a sanction of disbarment, see, e.g. Office of Disciplinary Counsel v. Monsour, 549 Pa. 482, 701 A.2d 556, 558 (1997). Office of Disciplinary Counsel v. Davis, 532 Pa. 22, 614 A.2d 1116, 1117 (1992), reinstatement granted sub nom. Matter of Davis, 543 Pa. 318, 671 A.2d 222 (1996); Keller, 506 A.2d at 875; Lucarini, 472 A.2d at 190; Office of Disciplinary Counsel v. Knepp, 497 Pa. 396, 441 A.2d 1197, 1201 (1982), and Respondent, as a result of his egregious conduct, has thus exposed himself to the possibility of imposition of this severe punishment by virtue of his misdeeds.

This Court has declined, however, to create a per se rule that misappropriation of funds must result in disbarment, prescribing instead a standard by which we exercise our discretion through consideration of the facts and circumstances of each case individually. See, e.g., Office of Disciplinary Counsel v. Chung, 548 Pa. 108, 695 A.2d 405, 407 (1997) (citing Lucarini, 472 A.2d at 190); Monsour, 701 A.2d at 558, Accordingly, in every case this Court must conduct a de novo review to determine whether significant mitigating factors weigh against disbarment. Office of Disciplinary Counsel v. Preski, 635 Pa. 220, 134 A.3d 1027, 1031 (2016); Office of Disciplinary Counsel v. Rainone, 590 Pa. 15, 911 A.2d 920, 930 (2006).

The principal issue in this case is not whether Respondent committed multiple acts of mishandling client funds. In most instances he has admitted his guilt, and I agree with the Majority’s cogent analysis with respect to the Disciplinary Board’s conclusion that Respondent violated multiple provisions of the Pennsylvania Rules of Professional Conduct. Instead, the principal issue here is whether to impose a lengthy suspension from the practice of law or the more extreme sanction of disbarment. The essential difference between these two sanctions is that while both sanctions involve the withdrawal of the privilege of practicing law, a suspended attorney may resume practice at the end of the period of suspension upon demonstration of his fitness to practice, whereas a disbarred attorney may not apply for readmission to the bar for a period of five years, and

there is no basis for an expectation by the disbarred attorney of the right to resume practice at some future point in time. When reinstatement is sought by the disbarred attorney, the threshold question must be whether the magnitude of the breach of trust would permit the resumption of practice without a detrimental effect upon “the integrity and standing of the bar or the administration of justice nor subversive of the public interest.”

Matter of Renfroe, 548 Pa. 101, 695 A.2d 401, 403 (1997) (citing Keller, 506 A.2d at 875). To make this determination, we must consider whether sufficient mitigating factors tilt in favor of the lesser sanction. See, e.g., Chung, 695 A.2d at 407 (holding that given the attorney’s many years of significant community service, genuine remorse, and strong character evidence, a five-year suspension was appropriate sanction); Office of Disciplinary Counsel v. Shorall, 527 Pa. 413, 592 A.2d 1285, 1294 (1991) (“[I]n light of the evidence offered in mitigation, we believe that the ODC’s pursuit of the extreme sanction of disbarment is [ ] inappropriate as being too severe and unjustified.”); Office of Disciplinary Counsel v. Kanuck, 517 Pa. 160, 535 A.2d 69, 76 (1987) (holding that where the attorney did not intend to embezzle his clients’ funds and made restitution in every instance, a five year suspension was appropriate sanction).

Respondent refers this Court to substantial mitigating evidence in support of his request for the imposition of a lesser sanction than disbarment. He notes that he was never charged with any crimes and denies that any of his acknowledged misdeeds were committed with any criminal intent. Respondent’s Brief at 12, 15, 17, 19, 25-26. He also denies that he ever acted maliciously or intentionally to cause harm to his clients, and that upon being made aware by the Disciplinary Board of shortcomings in his IOLTA account, he immediately took the necessary remedial steps to make each of his clients whole and to bring his IOLTA account into trust. Id. at 2, 16. Respondent indicates that none of his clients brought claims of wrongdoing against him. Id. at 4. In addition, he references the favorable character evidence he presented, demonstrating that he is well respected in his legal community, having practiced for more than thirty-two years without any history or incidents of prior disciplinary violations. Id. at 2, 4, 16, 26. He cooperated throughout the entirety of the disciplinary process, stipulating to the majority of the allegations against him. Id. at 4. Finally, Respondent has expressed deep remorse for his actions, which he fully acknowledges were “quite disturbing,” “not becoming of a member of the bar,” and involved “egregious misconduct.” Id. at 16, 25-26.

In contrast, in the cases cited above, including Monsour, Davis, Keller, Lucarini, and Knepp, in which the sanction of disbarment was imposed for the misappropriation or mishandling of client funds, the attorneys typically offered relatively little mitigation evidence. Davis blamed “careless office procedures” for his intentional misconduct. Davis, 614 A.2d at 1122. Keller offered only evidence of a disturbed emotional state, brought on by the dissolution of his business relationship with his brother. Keller, 506 A.2d at 877. Monsour and Lucarini presented evidence of an untreated alcoholism condition. Monsour, 701 A.2d at 558-59; Lucarini, 472 A.2d at 187. Knepp contended that he was driven to his misdeeds because of “financial difficulties” and “a desire to maintain an image of solvency.” Knepp, 441 A.2d at 1201. In addition, unlike here, these cases involved additional misconduct, such as forging clients’ signatures (Keller and Lucarini), counseling clients to undertake dishonest acts in court proceedings and deceitful use of an affidavit (Davis), disobeying a court order (Mons-our ), charging excessive legal fees (Knepp), and failing to act diligently and lying to conceal the transgression (Keller and Knepp).

In my view, the mitigating factors present here, including Respondent’s immediate efforts to make his clients whole, his length of practice without a disciplinary history, his age (sixty), his cooperation throughout the disciplinary process, and his remorse and recognition of the seriousness and wrongfulness of his conduct, when taken together, provide a substantial counterweight to lessen the severity of his conduct so to justify a form of discipline less than disbarment. As a result, I respectfully dissent from the learned Majority’s decision to impose this sanction, and would instead suspend Respondent from the practice of law for a period of five years.

Justice Wecht joins this dissenting opinion.

      . "An IOLTA Account is an income producing Trust Account from which funds may be withdrawn upon request as soon as permitted by law. Qualified Funds are to be held or deposited in an IOLTA account.” R.P.C. 1.15(a)(5). A lawyer is required to hold all Rule 1.15 funds "separate from the lawyer's own properly. Such property shall be identified and appropriately safeguarded.” R.P.C. 1.15(b).

      . PNC Bank notified the Pennsylvania Lawyers Fund for Client Security of the overdraft which triggered the investigation into Quigley's handling of the account.

      . The testimony of the auditor investigator details his investigation and the summary he prepared for the disciplinary proceedings. See N.T., 7/9/15, at 19-28. As noted, Quigley stipulated to the fact that he mishandled client funds and violated the Rules of Professional Conduct.

      . At times during his testimony, without objection, Primrose read from a letter he prepared for the ODC detailing his professional relationship with Quigley. See id. at 43-44.

      . We cannot agree with the Dissent’s position that the mitigation evidence presented in the instant case was substantial. See Dissenting Op. at 616-18, 161 A.3d at 810-11. We are not unsympathetic to the personal hardships faced by Quigley which overlapped with his period of misconduct. However, we cannot overlook that Quigley’s mismanagement of client funds with which he had been entrusted pre-dated two of the circumstances to which he attributes his misconduct, i.e., the resignation of his bookkeeper and the misprint of his advertisement. As we recognized in Keller,

      If we were here primarily concerned with a punishment of the individual, strong argument could be made in view of the circumstances surrounding the errant behavior.... However, as we previously noted, the focus is not upon Respondent but rather it is directed to the impact of his conduct upon the system and its effect on the perception of that system by the society it serves.

        Keller, 506 A.2d at 877-78. The misuse of client funds in five separate matters, over three years by Quigley has compromised the integrity of the legal profession to a degree which warrants the sanction of disbarment.


author: JUSTICE DONOHUE JUSTICE TODD,

text:
    161 A.3d 811
    Eugene R. YENCHI and Ruth I. Yenchi, Husband and Wife, Appellees v. AMERIPRISE FINANCIAL, INC., Ameriprise Financial Services, Inc., RiverSource Life Insurance Company and Bryan Gregory Holland, Appellants
    No. 8 WAP 2016
    Supreme Court of Pennsylvania.
    ARGUED: November 1, 2016
    DECIDED: June 20, 2017

      Kathy Kay Condo, Esq., Christopher Michael Helms, Esq., Babst, Calland, Clements & Zomnir, P.C., for Appellants.
    Kenneth Robert Behrend, Esq., Behrend & Ernsberger P.C., for Appellees.
    David C. Harrison, Esq., for Pennsylvania Association For Justice, Appellee Amicus Curiae.
    SAYLOR, C.J., BAER, TODD, DONOHUE, DOUGHERTY, WECHT, MUNDY, JJ.
   OPINION

JUSTICE DONOHUE

In this discretionary appeal, we must decide whether a fiduciary duty can arise in a consumer transaction for the purchase of a whole life insurance policy based upon the advice of a financial advisor where the consumer purchasing the policy does not cede decision-making control over the purchase to the financial advisor. We conclude that, consistent with our jurisprudence, no fiduciary duty arises in such a situation. Consequently, we reverse the Superior Court’s decision to the contrary.

In 1995, Bryan Holland (“Holland”), a financial advisor for IDS Life Insurance Corporation, made an unsolicited telephone contact, a “cold call,” to Eugene and Ruth Yenchi (the “Yenchis”) and asked to meet with them regarding their “financial stuff.” At the initial meeting, Mr. Yenchi informed Holland that he had a long-term disability policy, and Holland asked him to bring it with him to their next meeting. At this second meeting, Holland reviewed the disability policy and advised the Yenchis to keep it, as it was a good policy and he could not offer them a comparable product.

At a subsequent meeting in December 1995, for a fee of $350, Holland presented the Yenchis with a financial management proposal (the “Proposal”). The Proposal contained a notice that it had been prepared by “your American Express financial advisor” (Holland) and that “[a]t your request, your American Express financial advisor can recommend products distributed by American Express Financial Advisors and its affiliates as investment alternatives for existing securities.” Complaint, 11/13/2003, Exhibit 1, at 3. The Proposal offered the Yenchis a number of general recommendations, including that they monitor monthly expenses, consolidate their debt, consider various savings plans, consolidate current life insurance policies into one policy, review long-term care coverage, keep accurate records for tax purposes (medical expenses and charitable contributions), transfer 401(k) funds into mutual funds, and continue estate planning with an attorney and their financial advisor. Id. at 7-8. The Yenchis implemented some of these recommendations, saving money in an investment certificate and opening an IRA account.

With respect to the consolidation of life insurance policies, the Yenchis provided Holland with relevant information regarding their current policies with Met Life (five held by Mr. Yenchi and two by Ms. Yenchi). In January 1996, Holland proposed a whole life insurance policy for Mr. Yenchi with an initial $116,000 death benefit. In June 1996, he proposed a similar policy for Mr. Yenchi with an initial $100,000 death benefit, plus a $25,000 rider for Ms. Yenchi. Mr. Yenchi purchased the latter policy, cashing out his five Met Life policies to make the initial payment. Because Mr. Yenchi also purchased the rider for Ms. Yenchi, she did not need to cash in her existing life insurance policies for a new one. Instead, in 1997 Ms. Yenchi used the proceeds from her two Met Life policies to purchase a deferred variable annuity. In 1998, Holland proposed that the Yenchis increase their life insurance coverage to $800,000, but they rejected Holland’s advice on this occasion, deciding that they had enough life insurance.

In 2000, the Yenchis had their portfolio independently reviewed. Through this process, they were advised that the 1996 whole life insurance policy Mr. Yenchi had purchased was underfunded, destined to lapse, and that additional premiums beyond those allegedly represented by Holland, at substantially high rates increasing over time, would have to be paid. They also learned that Ms. Yenehi’s 1997 deferred variable annuity would not mature until 2025, when she was eighty-four years old (rather than sixty-five, as had allegedly been represented by Holland).

In April 2001, the Yenchis initiated suit by writ of summons, naming as defendants American Express Financial Services Corporation, American Express Financial Advisors Corporation, IDS Life Insurance Company, and Holland (collectively, “Appellants”). The Yenchis’ complaint, filed in November 2003, asserted claims of negligence/willful disregard, fraudulent misrepresentation, violation of the Uniform Trade Practices and Consumer Protection Law (“UTPCPL”), 73 P.S. §§ 201-1-201-9.3, bad faith, negligent supervision, and breach of fiduciary duty.

By order dated March 21, 2013, the trial court granted summary judgment to Appellants on all claims relating to the 1997 purchase of the deferred variable annuity, and dismissed the claims for bad faith, negligent supervision and breach of fiduciary duty relating to the 1996 purchase of the whole life insurance policy. Of relevance here, with respect to the breach of fiduciary duty claim, the trial court held that no fiduciary relationship was established between the Yenchis and Holland because the Yenchis continued to make their own investment decisions. Trial Court Memorandum, 7/28/2014, at 3. The trial court cited to its own prior decision in Ihnat v. Pover, 146 P.L.J. 299, 303-10 (1999), in which it held that no fiduciary duty arises between an insurance agent and a policyholder unless the policyholder delegates decision-making control to the insurance agent. In applying its Ihnat decision, the trial court rejected the notion that there was any material difference between an insurance agent and a financial advisor. The trial court further indicated that the Yenchis “knew they were dealing with a representative of American Express who was recommending purchases of American Express investments.” Trial Court Memorandum, 7/28/2014, at 4. While the trial court noted that this fact may be relevant to the Yenchis’ fraudulent misrepresentation and UTPCPL claims, it did not provide support for a fiduciary duty claim, since “a breach of fiduciary duty claim requires a policyholder to give up control.” Id.

The case proceeded to trial on the Yenchis’ fraudulent misrepresentation and UTPCPL claims in connection with the purchase of the 1996 whole life insurance policy. At trial, the jury returned a verdict in favor of Appellants on the fraudulent misrepresentation claim and, based upon the same eviden-tiary record, the trial court found in Appellants’ favor on the UTPCPL claim.

The Yenchis appealed. Among the issues presented to the Superior Court was the dismissal of the breach of fiduciary duty claim. With respect to this issue, the Superior Court agreed with the Yenchis that the trial court erred in focusing exclusively on the nature of the relationship in question (that of a buyer and seller of insurance) and the Yenchis’ retention of decision-making authority over their investments. Yenchi v. Ameriprise Fin., Inc., 123 A.3d 1071, 1080-81 (Pa. Super. 2015). The Superior Court acknowledged that Pennsylvania appellate courts have always considered the existence of a confidential relationship to be dependent upon the facts of each particular case, as it cannot be “reduced to a catalogue of specific circumstances, invariably falling to the left or right of a definitional line.” Id. at 1080 (citing In re Estate of Scott, 455 Pa. 429, 316 A.2d 883, 885 (1974)). As such, the Superior Court held that the trial court’s focus on the insurance aspect of the relationship in this case “eliminates wholesale an entire category of commercial relationships without properly accounting for the fact-sensitive inquiry required by our case law.” Id. In addition, the Superior Court held that the trial court’s insistence that a fiduciary relationship may be established only when one party cedes decision-making control to the other was too rigid, as prior cases have recognized fiduciary relationships upon a showing of an “overmastering influence,” and thus the standard for the establishment of a fiduciary relationship “can be met with evidence less absolute than a complete cession of decision-making authority.” Id.

Judge Lazarus filed a dissenting opinion, indicating that the “relationship created by a commercial, arm’s-length transaction” is “not ordinarily confidential by law.” Id. at 1085 (Lazarus, J., dissenting) (citing Wisniski v. Brown & Brown Ins. Co., 906 A.2d 571, 578-79 (Pa. Super. 2006)). Judge Lazarus noted that the Yenchis knew and understood that they were developing a relationship with an American Express employee who sold insurance and financial products and provided fee-based financial planning advice. Id. at 1085. Because the Yenchis made each decision to purchase a product from Holland, as indicated by their signatures authorizing the purchases, they never ceded decision-making authority to him. Id. at 1086.

This Court granted discretionary review to consider whether the Superior Court erred in reversing the decision of the trial court to grant summary judgment in favor of Appellants on the grounds that the Yenchis had not adduced sufficient evidence to establish a prima facie case that a fiduciary relationship existed between the parties. Yenchi v. Ameriprise Fin., Inc., 635 Pa. 211, 134 A.3d 51 (2016) (per curiam). On this issue, Appellants contend that the Superior Court erred in determining that the Yenchis presented sufficient evidence to create an issue of fact as to whether a fiduciary relationship existed with Holland. Appellants argue that in connection with consumer transactions, fiduciary relationships may exist only if one party cedes decision-making control to the other party. Appellants claim that if, as the Yenchis suggest, a fiduciary relationship may be created any time one party relies upon the superior skill, knowledge or expertise of the other party, then fiduciary relationships would arguably exist in virtually every consumer transaction, including with plumbers, mechanics and salespeople. According to Appellants, no such protections are necessary, since consumers have available to them other tort, contract, and statutory remedies, including, in particular, the UTPCPL.

The Yenchis, conversely, argue that the Superior Court did not err, as decisions about the existence of fiduciary relationships are fact-intensive inquiries. The Yenchis contend that Appellants held themselves out as experts in financial and retirement planning matters, and that, by contrast, they had only high school educations and no experience working with a financial advisor. This substantial difference of relevant knowledge, the Yenchis insist, created a question of material fact as to whether their relationship with Holland was one so marked by dependence and inequality that it permitted him to take advantage of them. The Yenchis claim that they reasonably believed and trusted that Holland had prepared the Proposal, and later recommended the purchase of the 1996 whole life insurance policy, with their best interests in mind.

Our scope and standard of review with respect to the grant of a motion for summary judgment is as follows:

‘[S]ummary judgment is appropriate only in those cases where the record clearly demonstrates that there is no genuine issue of material fact and that the moving party is entitled to judgment as a matter of law.’ Atcovitz v. Gulph Mills Tennis Club, Inc., 571 Pa. 580, 812 A.2d 1218, 1221 (2002); Pa. R.C.P. No. 1035.2(1). When considering a motion for summary judgment, the trial court must take all facts of record and reasonable inferences therefrom in a light most favorable to the non-moving party. Toy v. Metropolitan Life Ins. Co., 593 Pa. 20, 928 A.2d 186, 195 (2007). In so doing, the trial court must resolve all doubts as to the existence of a genuine issue of material fact against the moving party, and, thus, may only grant summary judgment “where the right to such judgment is clear and free from all doubt.” Id. On appellate review, then
an appellate court may reverse a grant of summary judgment if there has been an error of law or an abuse of discretion. But the issue as to whether there are no genuine issues as to any material fact presents a question of law, and therefore, on that question our standard of review is de novo. This means we need not defer to the determinations made by the lower tribunals.
Weaver v. Lancaster Newspapers, Inc., 592 Pa. 458, 926 A.2d 899, 902-03 (2007) (internal citations omitted). To the extent that this Court must resolve a question of law, we shall review the grant of summary judgment in the context of the entire record. Id. at 903.

Summers v. Certainteed Corp., 606 Pa. 294, 997 A.2d 1152, 1159 (2010).

A motion for summary judgment is based on an evi-dentiary record that entitles the moving party to a judgment as a matter of law. Pa.R.C.P. 1035.2, Note. Pursuant to Rule 1035.2(2), a court must enter judgment in favor of the moving party whenever the non-moving party, with the burden of proof at trial, fails to produce sufficient evidence to create a genuine issue of material fact as to a necessary element of the cause of action or defense that could be established by additional discovery. Barnish v. KWI Bldg. Co., 602 Pa. 402, 980 A.2d 535, 548 (2009).

In their motion for summary judgment, Appellants contended that insufficient evidence existed to create a genuine issue of material fact as to whether a fiduciary relationship existed between the Yenchis and Holland. In response, the Yenchis acknowledged that “[ujnder Pennsylvania law, typically the insurer/insured relationship is viewed as an arm’s-length relationship and fails to create a fiduciary duty.” Brief in Response to [Appellants’] Motion for Summary Judgment, 2/6/2013, at 20. Nevertheless, the Yenchis’ contended that “the nature of the insurer/insured relationship changed and a confidential relationship was created because [Appellants] acted as a financial advisor providing investment planning advice for a fee.” Id. In their response to the motion for summary judgment, the Yenchis cited to scant evidence in the summary judgment record in support of this claim. As evidence of their trust in Holland, they referenced their decisions, based upon his advice, to cash out their Met Life policies and to use those proceeds to purchase the 1996 whole life insurance policy and the 1997 deferred variable annuity policy. Id. at 8. The Yenchis’ also referenced their lack of sophistication regarding finances or the language used in insurance policies and legal documents, although they did not cite to any particular deposition testimony or other evidence to support this claim. Finally, again without citing to any record support (including no evidence that Holland ever actually told them that he was acting in their best interests), the Yenchis claimed that “[b]y charging a fee for independent financial advice, [they were] justified in believing that the advice was being provided in their best interests, and was more than an ordinary arm’s-length transaction involving the purchase of insurance.” Id. Notably, in their response to the motion for summary judgment, the Yenchis did not contend, or cite to any evidence in support of, any close personal relationship with Holland. From their deposition testimony, it would appear that all of their meetings took place either in Holland’s office or over the phone.

A fiduciary duty is the highest duty implied by law. Miller v. Keystone Ins. Co., 535 Pa. 531, 636 A.2d 1109, 1116 (1994) (Cappy, J., dissenting). A fiduciary duty requires a party to act with the utmost good faith in furthering and advancing the other person’s interests, including a duty to disclose all relevant information. See Basile v. H & R Block, Inc., 563 Pa. 359, 761 A.2d 1115, 1120 (2000); Young v. Kaye, 443 Pa. 335, 279 A.2d 759, 763 (1971) (“When the relationship between persons is one of trust and confidence, the party in whom the trust and confidence are reposed must act with scrupulous fairness and good faith in his dealings with the other and refrain from using his position to the other’s detriment and his own advantage.”); Sylvester v. Beck, 406 Pa. 607, 178 A.2d 755, 757 (1962); McCown v. Fraser, 327 Pa. 561, 192 A. 674, 676-77 (1937); In re Null’s Estate, 302 Pa. 64, 153 A. 137 (1930), see also Black’s Law Dictionary (10th ed. 2014) (defining a fiduciary duty as “a duty to act with the highest degree of honesty and loyalty toward another person and in the best interest of the other person”). This highest duty will be imposed only where the attendant conditions make it certain that a fiduciary relationship exists. Leedom v. Palmer, 274 Pa. 22, 117 A. 410, 412 (1922) (“[T]he evidence to sustain a confidential relation must be certain; it cannot arise from suspicion or from infrequent or unrelated acts[.]”); In re Erdeljac’s Estate, 388 Pa. 327, 131 A.2d 97, 100 (1957); In re King’s Estate, 369 Pa. 523, 87 A.2d 469, 472 (1952).

In some types of relationships, a fiduciary duty exists as a matter of law. Principal and agent, trustee and cestui que trust, attorney and client, guardian and ward, and partners are recognized examples. See, e.g., McCown v. Fraser, 327 Pa. 561, 192 A. 674, 676-77 (1937); Young, 279 A.2d at 763. The unique degree of trust and confidence involved in these relationships typically allows for one party to gain easy access to the property or other valuable resources of the other, thus necessitating appropriate legal protections.

Where no fiduciary duty exists as a matter of law, Pennsylvania courts have nevertheless long recognized the existence of confidential relationships in circumstances where equity compels that we do so. See Darlington’s Appeal, 5 W.N.C. 529, 86 Pa. 512 (1878). Our courts have found fiduciary duties in circumstances where the relative position of the parties is such that the one has the power and means to take advantage of, or exercise undue influence over, the other. The circumstances in which confidential relationships have been recognized are fact specific and cannot be reduced to a particular set of facts or circumstances. Scott, 316 A.2d at 885. We have explained that a confidential relationship “appears when the circumstances make it certain the parties do not deal on equal terms, but, on the one side there is an overmastering influence, or, on the other, weakness, dependence or trust, justifiably reposed[.]” Frowen v. Blank, 493 Pa. 137, 425 A.2d 412, 416-17 (1981). In these cases, which have typically been brought in courts of equity, if a confidential relationship was found to exist, then the burden shifts and the fiduciary has to demonstrate that there has been no breach of trust. Id. Transactions between persons occupying a confidential relationship are voidable, and the party seeking to benefit from such a transaction must demonstrate that his or her actions were at all times “fair, conscientious, and beyond the reach of suspicion.” Young, 279 A.2d at 766; Matter of Estate of Evasew, 526 Pa. 98, 584 A.2d 910, 913 (1990).

While cases involving fiduciary relationships are necessarily fact specific, they usually involve some special vulnerability in one person that creates a unique opportunity for another person to take advantage to their benefit. This Court has recognized that while disease or advancing age “do not by themselves create a confidential relationship with another,” such limitations “may support an inference of confidentiality” if they bear on a party’s “capacity to understand the nature of the transaction in question.” Scott, 316 A.2d at 886. Family relationships or close personal friendships, while also not dispositive of the existence of a confidential relationship, have also often played significant roles in particular determinations. Silver v. Silver, 421 Pa. 533, 219 A.2d 659, 662 (1966) (stating that kinship, while not dispositive, is a factor “which cannot be ignored”).

Where one party lacks the ability to understand the nature and terms of the transaction and simultaneously reposes their complete trust in the other party based upon well-established relationships, this circumstance provides an opportunity for the second party to exercise undue influence over the first and, thus, effectively control the decision-making process to their advantage. In Frowen, for example, the sale of a farm for an unreasonably low price was set aside after recognition of a confidential relationship between, on the one hand, an elderly and infirm eighty-six-year-old widow with little formal education and, on the other, neighbors who had befriended her. Frowen, 425 A.2d at 415-16. Similarly, in Brooks v. Conston, 356 Pa. 69, 51 A.2d 684 (1947), after the unexpected death of her husband, a widow with no experience in business matters agreed to sell the family’s business assets, at an unfair price, to a “warm family friend” who advised her to do so without any appraisal of their value. Id. at 687-88.

Undue influence resulting in a loss of control has also been found to exist when one party places their complete and unhesitating trust in the other party, and in so doing effectively cedes their decision-making authority to the other party. In Young, for example, an octogenarian (Young) with no knowledge of the intricacies of state and federal tax laws, effectively ceded control of the financial aspects of the corporation he owned to someone (Brooks) he considered to be a close friend and trusted advisor. Young, 279 A.2d at 761. Young routinely signed, unquestioningly, corporate (and individual) income tax returns, corporate financial statements, and other corporate letters and financial documents, all prepared by Brooks. Id. After the IRS issued a deficiency assessment against the corporation, Brooks advised Young that the assessment could be avoided if he transferred all of his shares in the corporation to him (Brooks) “for tax purposes only.” Id. Relying solely on Brooks’ advice, Young signed a certificate transferring all 10,000 shares of the corporation to Brooks, which Brooks then sold to a third party for $50,000. Id. This Court held that the transfer of the stock to Brooks was not an arm’s-length transaction, as Young’s overwhelming reliance on Brooks’ tax advice created a situation in which Brooks had a unique opportunity to take advantage of Young. Id. at 763. We accordingly reversed the equity court’s decision, voided the Young-to-Brooks transaction, and held that Young had a superior claim to the stock than did the third party. Id. at 760.

Conversely, even where special vulnerabilities exist, this Court has not recognized the existence of a confidential relationship if the person continued to act on his or her own behalf and did not succumb to any “overmastering influence” of another. For instance, in Jenne v. Kennedy, 379 Pa. 555, 109 A.2d 307 (1954), this Court refused to void the sale of a house by an eighty-five year old mother to her daughter, concluding that there was not “the slightest shred of testimony that she was overpowered, dominated, or unduly influenced in her judgments by this defendant.” Id. at 309. In Scott, we found no confidential relationship existed between a sister and her brother, even though the sister, while in intensive care, had signed a bank card giving her brother access to her funds. He also later sold her car. Id. at 885-86. This Court determined that even during her infirmity, she continued to manage her own affairs and knowingly directed her brother’s actions on her behalf, thus negating any possibility of a confidential relationship. Id. at 886 (“Mrs. Scott’s mental powers were undiminished during the time she was in intensive care.”). And in In re Estate of Dunlap, 471 Pa. 303, 370 A.2d 314 (1977), this Court found that no confidential relationship existed between a father and son where the evidence showed that the father conducted his own banking business and executed the codicil to his will in his son’s absence. Id. at 317 (“appellant’s evidence describes an individual independently handling his own affairs”).

The Superior Court, in the case before us, erred in relying on our case law involving undue influence to support its conclusion that a fiduciary relationship can be established without evidence that decision-making power was effectively ceded to another. Yenchi, 123 A.3d at 1080-81. Its view misses the point that the exercise of undue influence, at its core, indicates that an individual so influenced has lost the ability to make an independent decision.

In the present case, the Yenchis do not claim that Appellants’ roles as sellers of insurance or, more generally, as financial advisors, created a fiduciary relationship as a matter of law. The Superior Court did not so hold. Yenchi, 123 A.3d at 1080 (“To be clear, we do not hold that evidence of [Appellants’] purported positions as financial advisors is sufficient by itself to establish a confidential relationship.”). Moreover, while the Yenchis indicate that they paid a fee for the financial advice received from Holland, they do not contend that this fact alone creates a fiduciary relationship. Answer to Petition for Allowance of Appeal, 12/29/2015, at 9 (“It is understood that a fiduciary relationship does not arise simply because one party relies and pays for specialized knowledge of the other party.”). Instead, the Yenchis claim that a confidential relationship existed with Holland because he held a “vastly superi- or” position to them -with respect to his knowledge of insurance products and financial services, and that over time, they came to trust him and repose confidence in his advice to them. Id. at 10. The Yenchis highlight the fact that they are only “high school educated” while Holland is “college educated with a CPA and securities and insurance licenses.” Id.

We conclude that the Yenchis’ summary judgment evidentiary record falls far short of establishing a fiduciary relationship with Holland. Fiduciary duties do not arise “merely because one party relies on and pays for the specialized skill of the other party.” eToll, Inc. v. Elias/Savion Advertising, Inc., 811 A.2d 10, 23 (Pa. Super. 2002). If this were the law in Pennsylvania, “a fiduciary relationship could arise whenever one party had any marginal greater level of skill and expertise in a particular area than another party.” Id.; see generally Greenberg v. Life Ins. Co. of Virginia, 177 F.3d 507, 522 (6th Cir. 1999) (“To hold otherwise would impose fiduciary obligations on the seller of goods or services in the vast multitude of ordinary arm’s-length transactions simply on the basis that the seller possessed superior knowledge of the product being sold.”).

The superior knowledge or expertise of a party does not impose a fiduciary duty on that party or otherwise convert an arm’s-length transaction into a confidential relationship. In this regard, the analysis is no different in a consumer transaction than in other fiduciary duty cases decided by this Court. “[T]he critical question is whether the relationship goes beyond mere reliance on superior skill, and into a relationship characterized by ‘overmastering influence’ on one side or ‘weakness, dependence, or trust, justifiably reposed’ on the other side,” which results in the effective ceding of control over decision-making by the party whose property is being taken. eToll, Inc., 811 A.2d at 23 (emphasis in original) (holding that although an advertising company was a “trusted advisor” to a software developer, no fiduciary relationship existed between the parties) (citing Basile v. H & R Block, 777 A.2d 95, 101 (Pa. Super. 2001)). A fiduciary duty may arise in the context of consumer transactions only if one party cedes decision-making control to the other party. As we indicated in Scott, “a business transaction may be the basis of a confidential relationship only if one party surrenders substantial control over some portion of his affairs to the other.” Scott, 316 A.2d at 886; see also Valley Forge Convention & Visitors Bureau v. Visitor’s Services, Inc., 28 F.Supp.2d 947, 953 (E.D. Pa. 1998) (“There is a crucial distinction between surrendering control of one’s affairs to a fiduciary or confidant or party in a position to exercise undue influence and entering an arm’s-length commercial agreement[.]”).

The case at bar presents an arm’s-length consumer transaction in which the Yenchis accepted Holland’s advice with respect to the purchase of the 1996 whole life insurance policy. The Yenchis made the decision to purchase this policy, but also decided to reject other proffered products and services. While we recognize that the premium structure and payout terms of the 1996 whole life insurance policy were complicated, that fact does not change the character of the transaction in question. The Yenchis purchased an insurance product from a captive financial advisor with whom they had a business relationship for a little more than a year, initiated by a cold-call. The Yenchis’ lack of post-secondary high school educations is not indicative of a weakness, dependence, or trust, justifiably reposed, nor is Holland’s advanced training sufficient to establish an overmastering influence.

The record here establishes that the Yenchis made the decision to purchase Appellants’ advice and financial products. Reliance on another’s specialized skill or knowledge in making the purchase, without more, does not create a fiduciary relationship. We acknowledge that the Yenchis may have become comfortable with the Appellants’ expertise before deciding to purchase the 1996 whole life insurance policy, which is to be expected when making a financial decision. It is part of the development of any business relationship—consumer or otherwise. It does not, however, establish a fiduciary relationship. There is no evidence to establish that the Yenchis were overpowered, dominated or unduly influenced in their judgment by Holland.

The Yenchis never ceded any decision-making authority to Holland. Over the course of the relationship, they followed some of his recommendations and rejected others. Prior to the proposal for the whole life policy at issue, Appellants proposed a different whole life product that the Yenchis did not purchase. As to advice accepted, the Yenchis purchased the 1996 whole life insurance policy and the 1997 deferred variable annuity. They began saving money in an investment certificate and opened an IRA account. On the other hand, they rejected other recommendations, including, in particular, Holland’s advice in 1998 to increase their life insurance to the $300,000 level, deciding for themselves that the 1996 whole life policy was a sufficient amount of life insurance for their needs. The evidence does not establish that the Yenchis were subject to any overmastering influence by Holland. They maintained and exercised decision-making control over their financial matters. No confidential relationship was ever created.

We note that under current law and appropriate facts, consumers have various common law tort remedies (with burdens of proof less stringent than those required in fiduciary duty cases), as well as claims for common law fraud and the statutory relief provided by the current version of the UTPCPL, which provides a remedy for deceptive conduct. 73 P.S. § 201-2(4)(xxi). We decline to modify the law of fiduciary duty to encompass the particular pitfalls involved in the sale of insurance products by commissioned agents or financial advis-ors to less savvy customers. Moreover, we do not hold that a fiduciary duty cannot arise in a case with facts not present here, but absent evidence that a consumer of financial services and goods cedes control over the decision to purchase, either explicitly or implicitly because of over-mastering or undue influence, no fiduciary relationship arises. Because the Yenchis have not adduced facts sufficient to establish the indicia of a fiduciary relationship, we must reverse the Superior Court’s decision to reverse the trial court’s grant of summary judgment on this issue.

For these reasons, we reverse the order of the Superior Court in part, as it pertains to the issue of fiduciary duty. The balance of the present appeal is dismissed as improvidently granted, and accordingly, the remainder of the Superior Court’s order remains intact.

Chief Justice Saylor and Justices Baer and Dougherty join the opinion.

Justice Todd files a dissenting opinion in which Justice Wecht joins.

Justice Mundy did not participate in the consideration or decision of this case.

JUSTICE TODD,

Dissenting

I dissent because, unlike the majority, I find there are sufficient indicators of a fiduciary relationship between the Yenchis and Appellants to allow the Yenchis to avoid summary judgment on their fiduciary duty claim. For the following reasons, I would affirm the Superior Court.

As the majority recognizes, outside of the context of fiduciary duties imposed as a matter of law, the existence of a confidential relationship is, first and foremost, a fact-driven inquiry. See Basile v. H & R Block, Inc., 617 Pa. 212, 62 A.3d 1202, 1210 (2012) (noting “the ‘intensely fact-specific’ nature of this inquiry”); In re Estate of Scott, 455 Pa. 429, 316 A.2d 883, 885 (1974) (“The concept of a confidential relationship cannot be reduced to a catalogue of specific circumstances, invariably falling to the left or right of a definitional line. ... [E]ach case must be analyzed on its own facts.”). Moreover, the majority cites the governing test which we have reiterated for finding a confidential relationship: “[A] confidential relationship ‘appears when the circumstances make it certain the parties do not deal on equal terms, but, on the one side there is an overmastering influence, or, on the other, weakness, dependence or trust, justifiably reposed.’ ” Majority Opinion at 633, 161 A.3d at 820 (quoting Frowen v. Blank, 493 Pa. 137, 425 A.2d 412, 416-17 (1981)). However, in applying those principles, in my view, the majority gives insufficient heed to our admonition that “it is unhelpful to sharply deconstruct the generalized guidance [that definition] attempted to provide.” Basile, 52 A.3d at 1210.

In this area, I would avoid reliance on singular and categorical requirements such as “overmastering influence,” “cedes their decision-making authority”, or “surrendering] substantial control.” See Majority Opinion at 634, 635, 636, 638, 161 A.3d at 820, 821, 822, 823. Rather, as we did in Basile, I would emphasize the relational focus in discerning confidential relationships, which, in one formulation, is simply this: the “essence of such a relationship is trust and reliance on one side, and a corresponding opportunity to abuse that trust ... on the other.” Basile, 52 A.3d at 1210 (quoting Estate of Scott, 316 A.2d at 885) (internal quotation marks omitted); see also Frowen, 425 A.2d at 416 (“The general test for determining the existence of [a confidential] relationship is whether it is clear that the parties did not deal on equal terms;” it is “not confined to any specific association of the parties” (internal quotation marks omitted)); Brooks v. Conston, 356 Pa. 69, 51 A.2d 684, 688 (1947) (“a confidential relationship is not limited to any particular association of parties but exists wherever one occupies toward another such a position of advisor or counsel-lor as reasonably to inspire confidence that he will act in good faith for the other’s interest” (internal quotation marks omitted)); Basile v. H & R Block, Inc., 777 A.2d 95, 103 (Pa. Super. 2001) (“The possibility of a confidential relationship cannot be excluded by a concrete rule. So long as the requisite disparity is established between the parties’ positions in the relationship, and the inferior party places primary trust in the other’s counsel, a confidential relationship may be established.”); see generally Deborah A. DeMott, Breach of Fiduciary Duty: On Justifiable Expectations of Loyalty and Their Consequences, 48 Ariz. L. Rev. 925, 936 (2006) (“The defining or determining criterion should be whether the plaintiff (or claimed beneficiary of a fiduciary duty) would be justified in expecting loyal conduct on the part of an actor and whether the actor’s conduct contravened that expectation.”).

Consistent with this view, I reject the majority’s reliance on our statement in Estate of Scott that “a business transaction may be the basis of a confidential relationship only if one party surrenders substantial control over some portion of his affairs to the other.” Majority Opinion at 638, 161 A.3d at 823 (quoting Estate of Scott, 316 A.2d at 886) (emphasis added). This statement is arguably dicta and, regardless, in my view, it is insufficiently flexible to govern the fact-driven nature of a fiduciary relationship analysis.

On the facts of this case, I conclude they present a closer question than does the majority and, as a result, that summary judgment was improper. I find it significant that, early in their relationship with Appellants, the Yenchis paid $350 for a “Financial Management Proposal,” which was prepared by Bryan Holland, identified on the cover of the proposal as an “American Express financial advisor”, and, on the third-page “Important Message,” identified as “your American Express financial advisor”. Exhibit 1 to Deposition of Eugene Yenchi, 12/2/09 (R.R. at 296a). Except for the cover, each page of the proposal was marked “Confidential.” Id. Critically, the recommendations in the proposal were the basis for the now-complained-of consolidation of the Yenchis’ life insurance policies in 1996. In my view, the fact that the Yenchis paid for financial advice, independent of and prior to any decision to purchase life insurance products from Appellants, suggests that their relationship was not simply an arms-length one between customer and insurance agent, but that, for their money, they reasonably could have expected some measure of fidelity to their interests from their self-proclaimed “advis- or.”

Moreover, there are other indicators of a confidential relationship. In their depositions, the Yenchis repeatedly indicated that they trusted Holland, and relied on his superior expertise. See, e.g., Deposition of Eugene Yenchi, 12/2/09, at 29 (R.R. at 243a) (“Q: How is it that you decided where [your money] should be invested while it was at American Express? A: [Holland] advised me to go into that.”); id. at 119 (R.R. at 265a) (“I trusted Bryan for doing it”); id. at 145 (R.R. at 272a) (“we trusted him that he knew the best”); Deposition of Ruth Yenchi, 12/2/09, at 37 (R.R. at 666a) (“Q: Did you ask any questions about it of anyone, either someone from American Express or anyone else? A: No. Bryan probably said something about it, but we had just figured that Bryan knew the insurance more than we did.”); id. at 49 (R.R. at 669a) (“He was telling me basically what was on the pages, and he was my advisor and I took his word.”). At the relevant times, they stated he was the only financial advisor they ever spoke with. See, e.g., Deposition of Eugene Yenchi, 12/2/09, at 66 (R.R. at 249a); Deposition of Ruth Yenchi, 12/2/09, at 37 (R.R. at 666a), Finally, they testified that they signed documents prepared by Holland without reviewing them. See, e.g., Deposition of Ruth Yenchi, 12/2/09, at 41 (R.R. at 667a) (“Q: Would you have read this before you signed it? A: Well, Bryan would have probably said this is to say that you got your policy and then he would say you can sign it right here .... That’s the way most of it was done.”); id. at 49 (R.R. at 669a) (“He was telling me basically what was on the pages, and he was my advisor and I took his word.”).

Nevertheless, I recognize there are countervailing indicators as well. In particular, the Yenchis never testified that the fee-based proposal was the basis for their trust in Holland or Appellants, or that Holland ever stated that he was acting in their best interests. Moreover, it appears that their trust in him had its limits, given that, as noted by the majority, they declined to follow his advice at times. See Majority Opinion at 625, 638, 161 A.3d at 815, 823. But, in my view, these conflicting indicators only highlight the factual dispute concerning the existence of a fiduciary relationship. Finally, while I recognize that we have not heretofore found a confidential relationship in a comparable consumer context, I eschew categorical limitations and maintain that our focus should remain on the fact-intensive nature of the inquiry. Accordingly, because I conclude there are outstanding material factual disputes and that summary judgment was inappropriate as a matter of law, I agree with the Superior Court that the trial court’s order granting summary judgment to Appellants on their fiduciary duty claim should be reversed.

For these reasons, I would affirm the order below.

Justice Wecht joins this dissenting opinion.

      . In their complaint, the Yenchis admitted that Holland presented them with a “Life Protection Plus Illustration” (the "Illustration”) that provided the essential terms of the whole life policy. Complaint, 11/13/2003, ¶ 147. These terms included: (1) an initial death benefit of $100,000, decreasing to $90,000 at age 70, and to $80,000 at age 80; and (2) an initial payment of $17,500, with monthly premium payments of $240 in years one through eight, of $2390.45 in year nine, $784,65 in year ten, and $2887 in year eleven. Motion for Summary Judgment, Exhibit 1, Deposition of Eugene Yenchi at 105 (Dep. Ex. 2), The Illustration included separate columns for interest at the current (5.85%) and guaranteed (4%) interest rates, and further indicated that there would be no surrender value at age 82. Id. In connection with the purchase of the policy, Mr. Yenchi signed a disclosure statement which indicated that current interest rates were not a prediction of future policy performance. Id. at 105-07.
      At his deposition, Mr. Yenchi testified that Holland represented to him that the monthly premiums on the policy would be $240 for eight years, at which time the policy would be paid off. Id. at 125-26. At trial, Mr. Yenchi testified that he understood that if he paid the $240 monthly premium, the payout would be “guaranteed.” N.T., 1/28/2014, at 720. The Illustration was introduced at trial as Exhibit 20. Id. at 705.

      . American Express Financial Services Corporation is now known as Ameriprise Financial, Inc. American Express Financial Advisors Corporation is now known as Ameriprise Financial Services, Inc. IDS Life Insurance Company is now known as RiverSource Life Insurance Company.

      . The first count of the Yenchis’ complaint commingles allegations relating to both professional negligence (e.g., that Appellants breached a duty to exercise reasonable care, skill and diligence in advising and recommending an insurance program appropriate for the needs of the Yenchis), and negligent misrepresentation (e.g., that Appellants failed to disclose full, correct and material information regarding the products being offered). Complaint, 11/13/2003, ¶¶ 190-98. At oral argument on Appellants' motion for summary judgment, counsel for the Yenchis identified this claim as one for negligent misrepresentation and advised the trial court that the Yenchis had not asserted a claim for professional malpractice. N.T., 3/27/2013, at 7. The trial court did not grant summary judgment on this claim. At some point prior to trial, however, the Yenchis either abandoned or voluntarily dismissed the claim, although the case docket does not so reflect. The Yenchis raised no issues with regard to this count on appeal.

      . The Yenchis’ UTPCPL claim, like their claim for fraudulent misrepresentation, required proof of common law fraud. Their UTPCPL claim, which related to the 1996 whole life insurance policy, accrued on or around August 15, 1996, the date Mr. Yenchi purchased the policy. At that time, the catchall provision of the UTPCPL prohibited one from "engaging in any other fraudulent conduct which creates a likelihood of confusion or of misunderstanding.” See Prime Meats, Inc. v. Yochim, 422 Pa.Super. 460, 619 A.2d 769, 773 (1993) (quoting 73 P.S. § 201-2(4)(xvii)). On December 4, 1996, this provision was amended to prohibit one from "engaging in any other fraudulent or deceptive conduct which creates a likelihood of confusion or of misunderstanding.” 73 P.S. § 201-2(4)(xxi) (emphasis added). See generally Walkup v. Santander Bank, N.A., 147 F.Supp.3d 349, 361 (E.D. Pa. 2015).
      The Superior Court affirmed the trial court's determination that the pre-amendment version of the UTPCPL applied to the Yenchis’ claim, thus requiring proof of fraudulent, as opposed to merely deceptive, conduct. Yenchi, 123 A.3d at 1083. The Yenchis did not seek review of that ruling by this Court.

      . The terms "fiduciary relationship” and "confidential relationship" may be used interchangeably. Stewart v. Hooks, 372 Pa. 542, 94 A.2d 756, 759 (1953).

      . We also granted allocatur with respect to an evidentiary issue, namely whether the Superior Court erred in reversing the decision of the trial court with respect to Appellants' motions in limine and granting the Yenchis' request for a new trial on their fraudulent misrepresentation and UTPCPL claims. Yenchi v. Ameriprise Fin., Inc., 635 Pa. 211, 134 A.3d 51 (2016) (per curiam). Upon further review of the submissions of the parties and the certified record on appeal, we have made a determination that the appeal as to this issue was improvidently granted.

      . Although not referenced in the Yenchis’ response to the motion for summary judgment, in her deposition Ms, Yenchi related that she frequently called Holland with questions after she read her monthly statement. Motion for Summary Judgment, Exhibit 2, Deposition of Ruth Yenchi at 52-53. She also testified that they often signed documents based upon Holland's representations with regard to their contents. Id. at 48-49 ("[H]e was my advisor and I took his word.”). Mr. Yenchi likewise testified to trusting Holland. Id., Exhibit 1, Deposition of Eugene Yenchi at 145 (”[W]e trusted him that he knew the best.”).

      . Again, while not referenced in their response to the motion for summary judgment, Mr, Yenchi testified at his deposition that he graduated from high school. Id. at 9. Ms. Yenchi did not testify regarding her educational background.

      . In their appellate brief filed with this Court, the Yenchis cite to testimony from Mr. Yenchi regarding his discussions with Holland, at the beginnings of their meetings, regarding a variety of topics, including golf and cigars. Yenchis' Brief at 26 n.ll. Mr. Yenchi testified that he "would like to think he had a relationship” with Holland. Id. To the extent that this testimony could be relevant, it was offered by Mr. Yenchi at trial, and thus was not a part of the summary judgment evidentiary record.

      . The requirement that evidence be “certain” is an early forerunner of what is now referred to a "clear and convincing” burden of proof. In some older cases, the applicable burden of proof was styled as "definite, certain, clear and convincing.” See, e.g., In re Swenk's Estate, 176 Pa.Super, 513, 108 A.2d 825, 827 (1954); In re Culhane's Estate, 133 Pa.Super, 339, 2 A.2d 567, 572 (1938).

      . Q. Do you recall there being a time that [Holland] proposed to you the possibility of buying more insurance?
      A. We said no.
      Q. Why is it that you said no at that time?
      A. We thought we had enough insurance ....
      Motion for Summary Judgment, Exhibit 2, Deposition of Ruth Yenchi at 60-61.

      . In their appellate brief, the Yenchis argue that the United States Supreme Court has recognized that the Investment Advisors Act of 1940, 15 U.S.C. § 40b-6, creates fiduciary obligations for registered financial advisors to act in the best interest of those they advise. Yenchis’ Brief at 38 (citing S.E.C. v. Capital Gains Research Bureau, 375 U.S. 180, 187, 84 S.Ct. 275, 11 L.Ed.2d 237 (1963)). As Appellants correctly note, however, this ruling and legislation have no application here, as the present case does not involve advice regarding the purchase of securities. These laws, however, illustrate the manner in which legislative enactments can police an industry. We decline to make a change to the common law of fiduciary duty with respect to an entire industry. Such a sweeping change should be left to the Legislature, based upon its consideration of the various policy concerns and the financial implications of regulations on consumers and the industry.

      . In Estate of Scott, this Court addressed whether the relationship between a brother and sister was a confidential one, thereby allowing the sister to challenge the brother’s obtaining of her signature to create a joint bank account while she was in the hospital. Although the brother defended his actions, in part, by noting that he had previously sold his sister's car and some of her stock at her request, there was no question of a business relationship between them. See Estate of Scott, 316 A.2d at 886. Thus, our imposition of a strict surrender-of-control requirement to prove a confidential relationship in business relations was entirely unnecessary to the disposition of that dispute between siblings. Moreover, it was in tension with the Court's earlier statement that "[t]he concept of a confidential relationship cannot be reduced to a catalogue of specific circumstances, invariably falling to the left or right of a definitional line.” Id. at 885.

      . The majority seemingly discounts the solidity of Holland's advice, noting that he was a "captive” financial advisor. Majority Opinion at 638, 161 A.3d at 823. However, I find nothing in the record to suggest that there were, or that the Yenchis understood there to be, advisory limitations on Holland because of his employment.