Investing 101
Payment for Order Flow: How Commission-Free Trading Gets Paid
PFOF explained: the routing mechanics, the genuine controversy, the Robinhood disclosure settlement, and what a retail investor can actually do about it.
Reports & Guides
Verification Files
Renvoit Com: Verification File — File Sharing, Not Fund Transfer
Renvoit com is a quick file-sharing service, not anything financial. What it is, the anonymous-service caution, and what the registries (correctly) show — with live scan.
Platform Reports
Wealthfront: Verification Report — What the Registries Show
Wealthfront verification report: adviser and brokerage registrations, how the cash sweep and FDIC pass-through actually work, and the live registry scan.
Investing 101
What Is AUM? Reading Assets Under Management Like an Analyst
AUM is the number the industry lives on. The regulatory vs marketing versions, why fees make it oxygen, and the three skeptic's moves: average account, AUM-per-employee, and the trend.
Verification Files
MasteryConnect: Verification File — Real Company, Not a Financial One
MasteryConnect is Instructure's real edtech platform for schools. Why financial registries correctly show nothing, how to access it safely, and the clone-scheme caution.
Platform Reports
Betterment: Verification Report — What the Registries Show
Betterment verification report: the SEC adviser + FINRA broker structure, what the Form ADV shows about scale and revenue, and the live registry scan — read before you fund.
Investing 101
What Is an Expense Ratio? The Most Expensive Small Number in Investing
Expense ratios are deducted invisibly from returns and compound for decades — the difference between 0.05% and 1% can be six figures. What the number means and the two-minute audit.
Verification Files
Uselegance.co.uk: Verification File — What the Registries Show
Uselegance.co.uk checked: the established UK beauty blog, the copycat domains riding its name, what the registries show, and the verdict — with live scan.
Investing 101
Annual Funding Notice: How to Read Your Pension’s Yearly Report Card
The ERISA notice your pension sends every year discloses its solvency. The three numbers that matter — funding percentage, allocation, PBGC backstop — and what to do with a bad one.
Robo-Advisor Graveyard
What Happened to Recap Investing? The Story of This Domain
Recap Investing was a SEC-registered sustainable robo-advisor that once lived at this domain. What the public record shows, why it likely didn't make it, and what its story teaches platform users.