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In this Oct. 9, 2015 file photo, Karen Robinson poses for a photo in Meridian, Texas. When Robinson’s husband died, she worried she wouldn’t have enough money to raise her two young girls and save for retirement. Her financial planner convinced her to invest in oil partnerships with the promise of fat payouts. Two years later, she has lost more than half of the $202,000 she invested, according to a complaint filed with regulators. (AP Photo/LM Otero)

In this Oct. 9, 2015 file photo, Karen Robinson poses for a photo in Meridian, Texas. When Robinson’s husband died, she worried she wouldn’t have enough money to raise her two young girls and save for retirement. Her financial planner convinced her to invest in oil partnerships with the promise of fat payouts. Two years later, she has lost more than half of the $202,000 she invested, according to a complaint filed with regulators. (AP Photo/LM Otero)

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