Structural Alignment with RIA & Broker-Dealer Standards
REGULATORY CATEGORY
INSTITUTIONAL CERTIFICATION
Kickbacks
Accessum Health pays no referral fees, shares no revenue, and provides no soft-dollar benefits.
Accessum Health never has custody of client assets and never has power of attorney over client finances. This arrangement is structured as a Client Resource Referral, not a Solicitation Arrangement. We provide a "No-Compensation Attestation" for firm records.
Custody & POA
Solicitation
The Soft-Dollar Firewall: Accessum does not sponsor advisor events, gala tables, or charities for referring partners. We maintain strict separation to avoid "benefit in lieu" implications.
Sponsorships
Standard Market Rates: To prevent accusations of "Benefit in Lieu of Payment," Wealth Advisors and their families pay standard market rates for Accessum services. Enterprise Tiering: Accessum offers volume-based pricing only for Enterprise/Corporate contracts where the firm is the direct purchaser for its own employees. This is an arm's-length business transaction unrelated to client referrals. Our structure is designed to support classification as a non-compensated referral to a third-party service provider, minimizing Advisor OBA exposure. Accessum engages in zero fee-splitting with clinical providers or medical institutions. We do not "mark up" clinical services. Accessum engages in zero monetization of client data. We are not an information broker; data is never sold or shared for research/marketing. To prevent AML/Compliance risk, Accessum accepts payment only from the contracted client or their verified family office entity.
Family & Friends
Volume Discounts
OBA (Outside Business Activity)
Fee-Splitting
Data Harvesting
Third-Party Payers
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