Paladin Transparency Index (PTI)


Data compiled from company, regulatory agency (SEC, FINRA), and third party websites. Did Not Disclose (DND) means Paladin could not find this information on the Internet. Advisory firms can submit updated information to Paladin Research. Paladin will update the OFA report if it can validate the information.

  • Type of Financial Firm: Online Financial Advisor (OFA)
  • URL:
  • Year Established: 2013
  • Headquarters Location: Modesto, CA
  • Most Recent Update: 8/17/15

Types of Financial Services

  • Planning services and advice

Registration & Licensing

  • SEC: 801-77837
  • CRD: 166714
  • IARD: 166714
  • Disclosures ( No disclosures

Contact Information

  • Email:
  • Telephone: DND
  • Human Contact: Yes
  • Type of Contact: Email


  • Minimum Asset Requirement: None
  • Minimum Fee: None
  • Free Offer(s): Their service is free

Combined Fees

  • Service Initiation Fees: None
  • Annual Fee: None
  • Annual Third Party Fee(s): Various
  • Examples of Third Parties: ETF's, Index Funds, Mutual Funds, Broker/Dealers, and others

Scope of Business

  • Number of Users: DND (Source: ADV; as of 8/17/15)
  • Assets (Paid): Not applicable
  • Assets (Free): Not applicable

Investment Services

  • Number of Portfolios: Not applicable
  • Types of Investments: Not applicable
  • Investment Managers: Not applicable

Additional Investment Services

  • Data Aggregation Services: Yes
  • Tax Loss Harvesting: Not applicable
  • Rebalancing: Not applicable
  • Account Liquidity: Not applicable
  • Investor Discretion: Not applicable

Additional Information

  • Clearing & Custody: Not applicable
  • Mobile Application: No

Paladin Transparency Rating (PTI)

  • 3.0


  • None


  • FlexScore compiles all financial data and gives users a “score”. 1000 is the highest score. Users can compare their scores to other users/peers. Based on user responses, FlexScore will recommend various financial services/products from 3rd parties. Users select the services. FlexScore is owned by a “traditional” RIA-Valley Wealth, Inc. (SEC #146324) They market their own wealth management services in addition to third party services.

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