Attorney Pockets Millions, Pays Off Old Investors With New Money!

SEC v. David T. Gilchrist, Christopher Aaron Novinger, Rebecca Novinger — U.S. Securities and Exchange Commission Litigation Release No. 26624, dated August 31, 2026.

The SEC charged a Texas attorney, David T. Gilchrist, and a Texas-based podcast host, Christopher "Aaron" Novinger, for allegedly conducting multiple fraudulent securities offerings. Gilchrist allegedly raised over $1.85 million from at least 22 investors between 2021 and 2025, misappropriating funds for personal use and making Ponzi-like payments. Novinger allegedly solicited investors and facilitated fund transfers, violating a prior SEC bar. A parallel criminal action was filed against Gilchrist.

In Plain English

Imagine someone promising to invest your money in safe things like property taxes or paying lawsuit winners. Instead, they secretly spent the money on themselves and used new investors' money to pay off earlier ones, like a pyramid scheme. That's what happened here. A lawyer and a podcast host allegedly tricked people into giving them money, and the lawyer spent it all himself. The podcast host even helped find people to invest, even though he was told by the SEC before not to work in finance.

Disclaimer: all facts are drawn from the SEC's own filings; the claims described are allegations unless and until a court rules or the parties settle, and some cases end in dismissal.

How the Alleged Scheme Worked

  1. The First Offering: Settlement Payments In March 2021, David T. Gilchrist allegedly told an investor he would use their $220,000 to advance settlement payments to class action plaintiffs, promising a guaranteed 12.5% return every 90 days.
  2. The Second Offering: Tax Liens Between April 2023 and September 2024, Gilchrist allegedly pitched another investor on buying tax liens on properties with delinquent taxes, promising large, short-term profits of a 20% return with minimal risk. This investor put $134,718 into eight partnerships Gilchrist created for this purpose.
  3. The Third Offering: Tax Liens with a Twist From March 2023 through September 2024, Gilchrist solicited investors for a larger offering, again claiming the money would be used to buy tax liens. He assured investors they would profit handsomely whether the property owner repaid the lien plus 25% interest or if investors took ownership of the property.
  4. Novinger's Role in Solicitation Christopher "Aaron" Novinger actively found investors for the Third Offering, handled paperwork, repeated Gilchrist's misrepresentations, and facilitated the transfer of investor money. He did this despite being permanently barred by the SEC from associating with any broker.
  5. False Personal Investment Claims Novinger falsely told at least two investors in the Third Offering that he had personally invested in it, attempting to build trust. In reality, Novinger never invested his own money in this offering.
  6. The Fourth Offering: More Tax Liens Between February 2025 and October 2025, Gilchrist and Novinger solicited two investors for a fourth offering, claiming the $200,000 investment would be used to buy tax liens and promising a 20% annual return.
  7. Novinger's Doubts and Continued Solicitation Even as Novinger grew concerned that Gilchrist might not have actually purchased tax liens, and repeatedly demanded proof, he continued to play an indispensable role in soliciting investors for the Third and Fourth Offerings for months.
  8. The Truth: Misappropriation and Ponzi Scheme In reality, Gilchrist never used investor money for settlement payments or tax liens. Instead, he misappropriated the funds for his own purposes and used them to make Ponzi-like payments to other investors across all four offerings.
  9. Payments to Relief Defendant Gilchrist also used investor money from the Third Offering to pay Novinger for his services. These payments were made to Novinger's wife, Rebecca Novinger, who had no legitimate claim to the funds.

The Enforcement Action

SEC Charges Texas Attorney and Podcast Host for Multiple Alleged Offering Frauds. On August 31, 2026, the Securities and Exchange Commission filed charges against Texas attorney David T. Gilchrist for allegedly conducting four fraudulent securities offerings between 2021 and 2025, and against Texas-based podcast host Christopher “Aaron” Novinger for allegedly soliciting investors in two of the fraudulent offerings. The SEC’s complaint alleges that from at least March 2021 through at least October 2025, Gilchrist raised more than $1.85 million from at least 22 investors in four fraudulent securities offerings. According to the complaint, while Gilchrist told one investor he would use their money to advance settlement payments to class action plaintiffs, and other investors he would use their money to buy tax liens on properties with delinquent taxes, in reality, Gilchrist misappropriated investor money for his own purposes and used it to make Ponzi-like payments to other investors. The complaint further alleges that Novinger solicited investors in two offerings, and, in one of the offerings, Novinger facilitated the transfer of investor money to Gilchrist and falsely told two investors that he had personally invested in the offering. According to the complaint, Novinger’s conduct violated a 2016 SEC order barring him from associating with a broker. The SEC’s complaint, filed in the U.S. District Court for the Northern District of Texas, charges Gilchrist and Novinger with violating the antifraud provisions of Section 17(a) of the Securities Act of 1933 and Section 10(b) of the Securities Exchange Act of 1934 and Rule 10b-5 thereunder. The complaint also charges Novinger with violating Sections 15(a) and 15(b)(6)(B)(i) of the Exchange Act, and with aiding and abetting Gilchrist’s violations of Section 17(a) of the Securities Act and Section 10(b) of the Exchange Act and Rule 10b-5 thereunder. The complaint names Novinger’s wife, Rebecca Novinger, as a relief defendant and seeks disgorgement of her ill-gotten gains with prejudgment interest. In a parallel action, the U.S. Attorney's Office for the Northern District of Texas has filed criminal charges against Gilchrist.

Named in this action: David T. Gilchrist, Christopher "Aaron" Novinger, Rebecca Novinger.