Ex-insurance agent at heart of alleged $2.5 million fraud Julie Ann Moskin and Retire Happy received fees for selling dubious securities, according to Massachusetts Secretary of the Commonwealth William Galvin December 23, 2020 A former insurance agent is at the center of an alleged $2.5 million retirement fraud that was based on the sale of unregistered securities, according to a complaint filed yesterday by the Massachusetts Securities Division, led by Secretary of the Commonwealth William Galvin. The agent, Julie Ann Minuskin, and her business, Retire Happy, were based in Las Vegas, Nevada, according to the complaint, where she was a licensed insurance agent from 2012 to 2020. She was the sole managing member and agent of the firm.