Larry Pino

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Larry Pino is a Florida lawyer who did traveling seminars in the '80s and '90s on how to make money from selling, buying and brokering financial debt instruments (known as the cash flow business). He also wrote a book called "Cash In On Cash Flow".

Early on in his career, Larry Pino fell in with some undesirable company. He did lectures for Charles J. Givens Jr., who was indicted twice for fraud, and also for Dave Del Dotto, who was fined $200,000 by the Federal Trade Commission but went bankrupt and never paid. Larry Pino himself was reprimanded by the Florida Bar Association in 1988 for misusing an investor's funds.

But Larry Pino’s questionable activities don’t stop there. He founded a number of companies, including the Diversified Cash Flow Institute (DCFI), which sold cash flow boot camps for around $6000. These promised to teach you “three easy steps” that would change your life. But an undercover reporter for the Washington Post who went on the boot camp found that those steps weren’t quick or easy. Several months after the boot camp, the lives of the people hadn’t changed, except they were $6000 poorer.

The Diversified Cash Flow Institute got into trouble with the State of Tennessee in 1996 for violating the consumer protection act. It was accused of “using earnings claims that are not representative”; and “making potentially misleading statements about the value or cost of the training program”.

Larry Pino’s Diversified Cash Flow Institute made an Assurance of Voluntary Compliance in Tennessee to avoid litigation, promising to stop these and certain other practices. These included pressuring people to take out a loan to pay the program fee, telling people that the cash flow industry is unregulated when it isn’t, and discouraging people from taking notes in the training sessions!

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