Accredited Investor

An individual who meets SEC thresholds: net worth over $1M (excluding primary residence), or annual income of $200K+ individually ($300K jointly with spouse) for the past two years with expectation of the same.

Yes — completely free, always. VerifyAccredited covers the CPA review cost as part of investor onboarding. No hidden fees, no subscription, no future charges.

SEC Reg D Rule 506(c) requires issuers to verify every investor's accredited status before accepting funds. Without a valid letter from a licensed CPA, attorney, or broker-dealer, you cannot participate in these offerings.

Most verifications are completed within 48 hours of document submission. Our CPA partners prioritize turnaround so you don't miss investment windows.

Income-based: two years of tax returns or W-2s. Net worth-based: recent bank or brokerage statements dated within 90 days. All uploads are AES-256 encrypted.

Your letter is valid for 90 days — the standard accepted by all Reg D issuers. Renewal is free through VerifyAccredited any time.

Yes. All uploads use AES-256 bank-grade encryption. Your documents are reviewed only by our licensed CPA partners and are never sold or shared with any third party.

An SEC exemption allowing companies to raise capital from accredited investors through general solicitation. The key requirement: all investors must be independently verified as accredited by a licensed third party.

Yes. The SEC also treats holders of a Series 7, Series 65, or Series 82 license in good standing as accredited investors, regardless of income or net worth.

Yes. Entities generally qualify with more than $5 million in assets, or when every equity owner is independently accredited. Select the entity option on the Get Verified form to start.

Under 506(b), an issuer cannot advertise the offering publicly, and investors may self-certify that they are accredited. Under 506(c), the issuer may advertise publicly, but must take reasonable steps to verify each investor — which is why a verification letter is required.

The SEC accepts written confirmation from a registered broker-dealer, an SEC-registered investment adviser, a licensed attorney, or a licensed CPA, based on a review completed within the prior three months. VerifyAccredited's letters are issued by licensed CPA partners.

Yes. Vested balances in retirement accounts generally count toward the $1M net-worth test, the same as bank or brokerage accounts.

No. Your primary residence is excluded from the calculation, and so is any mortgage on it up to the home's fair market value. A mortgage balance above that value is counted as a liability.

Not necessarily. A single letter can be used with any issuer while it remains valid (90 days) — each issuer decides whether to accept it. Once it expires, renewal through VerifyAccredited is free.

You'll simply be informed — nothing is filed or reported anywhere. You may still be eligible to invest in Rule 506(b) offerings, which allow a limited number of non-accredited investors. This is general information, not legal or tax advice.