How to determine if you are an accredited investor

To qualify as an accredited investor, you must meet one of the following four requirements.

1. Individuals who have earned $200,000 or more in gross income, each year, for the past two years and expect to continue to do so.
   –or–
2. Individuals whose gross income, when combined with a spouse's income, totals $300,000 or more, each year, for the past two years.
   –or–
3. Individuals who maintain a net worth of $1 million or more, excluding the value of his or her primary residence.
   –or–
4. An entity with at least $5 million in assets, or a business in which all equity owners are accredited investors

How do I prove that I am an accredited investor?

Before you start the application, please make sure you have proof of income and/or assets available.

Investing as individuals and retirement accounts

• Proof of income for the past 2 years should be supported by official tax records such as US tax returns, W-2, K-1, 1099, or other government documents.
  –or–
• Documentation of assets proving you have a net worth of at least $1,000,000, excluding your primary residence. Documentation could include a property deed, bank statements, letter from a financial institution, or vehicle title that shows ownership, etc. Investors also need to provide third-party liability evidence by submitting a copy of their credit report (no older than 90 days). You can order one free credit report from any of the credit reporting bureaus from annualcreditreport.com.
  –or–
• A verification letter dated within the last 90 days from a third-party licensed attorney, a CPA, an SEC-registered investment advisor, or a registered broker-dealer certifying that you are accredited.

Investing as an entity or trust

• An entity or trust with total assets in excess of $5,000,000 would typically provide a bank statement, a formal valuation from a valuation professional, or perhaps an appraisal of real estate held by the entity.
  –or–
• If the entity or trust does not meet the minimum assets test, it might also be able to qualify as an accredited investor if all of its equity owners are accredited investors. In that case, each entity owner needs to provide one of the following:
  • Proof of income for the past 2 years supported by official tax records such as US tax returns, W-2, K-1, 1099, or other government documents.
  • Documentation of assets proving you have a net worth of at least $1,000,000, excluding your primary residence (documentation could include a property deed, bank statements, letter from a financial institution, or vehicle title that shows ownership, etc.)
  • A verification letter dated within the last 90 days from a third-party licensed attorney, a CPA, an SEC-registered investment advisor, or a registered broker-dealer certifying that you are accredited.

Accredited Verification Validation

An accredited investor verification is valid for up to 90 days. You must make your first investment and complete the wire transfer within this timeframe, to avoid having to apply again. Once you have made your first investment, your verification remains valid with Palladium Valley Global, Inc.

Therefore, we recommend that you start the application once you are ready to invest.