The following tests are conducted to establish prudent selection:

• Background Check that discloses past regulatory incidents or other publicly available information that is pertinent to the ethics of the adviser.
• Client Results that invites the advisers existing clients to report on the advisers' past performance in the quality of advice, trust, financial results, satisfaction with services provided and communications. Clients report on:
  • Length of time adviser has provided services to the client
  • Clients' overall rating of adviser
  • Clients' satisfaction with specific services provided by adviser
  • Clients' rating of financial results to date
  • Extent to which adviser has put clients' interest ahead of adviser's own
  • Clients' satisfaction with support from the adviser
  • Clients' profile
• Knowledge Test to establish knowledge of ERISA.

These processes are updated annually to maintain the status of fiduciary adviser.