Phoenix Energy
Understanding Accreditation
You may qualify. Many investors already meet the criteria.
INDIVIDUALS
PROFESSIONALS
ENTITies
Are you accredited?
Learn if you qualify at our investor webinar
Often, investors can qualify as accredited without even knowing! Learn more about qualifications.
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THREE CATEGORIES,
THREE UNIQUE QUALIFICATIONS
Accredited individuals or entities have the financial sophistication and means to bear the risks of investing in complex, unregistered securities.
High-Earners & Wealth-Holders
INDIVIDUALS
Individuals qualify if they meet the following criteria:
$1MM net worth, or $200K-$300K annual income (combined with spouse or domestic partner)
Financially Licensed & In-the-Know
PROFESSIONALS
Determined based on specific licenses, positions, or fund knowledge levels.
Institutions
ENTITIES
$5MM assets, or owners qualify individually.
CALL US NOW
Speak to a person about your investment â immediately. Weâre always available.
EMAIL US TODAY
Email us today and we will get back to you as soon as we can.
FLEXIBILITY FOR YOUR INVESTMENT SITUATION
THREE PATHS TO VERIFY ACCREDITATION
A
phoenix energy
Verify Directly
Submit tax docs (W-2, 1099, 1040) â valid 12 months
Submit asset statements â valid 90 days
B
cpa/attorney
LETTER OF Verification REQUIRED
Submit accreditation letter:
verifierâs name, license, contact, income/net worth- valid 90 days.
C
3rd party verifier
LETTER OF Verification REQUIRED
Example services:
VerifyInvestor.com
ParallelMarkets.com
Our Bond Offerings
Choose monthly interest payments or monthly compounding interestš
Invest in Phoenix Energy. We offer fixed-rate corporate bonds for investors, with even higher rates available for larger investments. Our bond offerings are designed to meet a range of financial goals. Bonds may be purchased with qualified funds, including some IRAs.Âł
Regulation D | Private Placement Bond offering
Open to ACCREDITED INVESTORS²
$25K Minimum Investment
$25K Minimum Investment
1 YEAR
9%
Annual Interest Rate
3 YEARs
10%
Annual Interest Rate
5 YEARs
11%
Annual Interest Rate
7 YEARs
12%
Annual Interest Rate
11 YEARs
13%
Annual Interest Rate
Registered Bond Offering
NO ACCREDITATION REQUIRED²
$5K Minimum Investment
$5K Minimum Investment
3 YEAR
9%
Annual Interest Rate
5 YEARs
10%
Annual Interest Rate
7 YEARs
11%
Annual Interest Rate
11 YEARs
12%
Annual Interest Rate
Phoenix Flex notes
FLEXBILE NOTE OFFERING | NO ACCREDITATION REQUIRED²
$1K Minimum Investment
$1K Minimum Investment
3-month redemption intervalâ´
6.00%
Annual Interest Rate
6-month redemption intervalâ´
6.25%
Annual Interest Rate
9-month redemption intervalâ´
6.50%
Annual Interest Rate
12-month redemption intervalâ´
6.75%
Annual Interest Rate
18-month redemption intervalâ´
7.00%
Annual Interest Rate
- Interest accrues monthly and added to the then-outstanding principal amount of the bond with no interest payment until maturity.
The Private Placement Offering (Regulation D) is exempt from the registration requirements of the Securities Act and only âaccredited investors,â as defined in Rule 501 of Regulation D, may invest in such offerings. Accredited investors are defined as individuals with a net worth over $1 million (excluding primary residence) or income over $200,000 (individual) or $300,000 (household) in each of the prior two years, with a reasonable expectation of the same in the current year. Learn more about accreditation requirements. Please refer to the Companyâs filings with the SEC. To participate in the Registered Offering, investors do not need to to meet these accreditation requirements.
The Registered Offering and Private Placement Offerings are currently available to residents of all 50 U.S. states as subject to financial suitability requirements.
- Withdrawing funds from a qualified plan such as an IRA, 401K, or 403(b) may subject you to tax implications as well as penalties for withdrawing funds prior to age 59 ½. Please review your plan materials and/or contact your plan administrator for more information regarding tax considerations and possible penalties. If you decide to use funds from a qualified plan, your representative can assist you in completing a proper rollover process to eliminate potential tax and penalty charges related to the transaction. If you are currently subject to Required Minimum Distributions (RMD), you should speak to your representative to determine whether an investment with Phoenix is appropriate for you.
- Interest accrues monthly and added to the then-outstanding principal amount of the bond with no interest payment until maturity.
Registered offerings will be subject to certain criteria, including objective financial suitability standards specific to each offerings and amount invested (see prospectus). Private placement offerings open to âaccredited investorsâ only. Accredited investors as defined in Rule 501 of Regulation D includes individuals with a net worth over $1 million (excluding primary residence) or income over $200,000 (individual) or $300,000 (household) in each of the prior two years, with a reasonable expectation of the same in the current year. Learn more about accreditation requirements.
- Withdrawing funds from a qualified plan such as an IRA, 401K, or 403(b) may subject you to tax implications as well as penalties for withdrawing funds prior to age 59 ½. Please review your plan materials and/or contact your plan administrator for more information regarding tax considerations and possible penalties. If you decide to use funds from a qualified plan, your representative can assist you in completing a proper rollover process to eliminate potential tax and penalty charges related to the transaction. If you are currently subject to Required Minimum Distributions (RMD), you should speak to your representative to determine whether an investment with Phoenix is appropriate for you.
- Set Put Interval (âredemption intervalâ) refers to the 3-, 6-, 9-, 12-, or 18-month interval selected between penalty-free redemption options when the Notes are purchased. The Set Put Date is the last day of each Set Put Interval, with a reasonable expectation of the same in the current year. A request for redemption at a Set Put Date must be submitted within the required notice window. If Phoenix Energy does not receive a valid redemption request by the applicable deadline, Phoenix Energy will be under no obligation to redeem the Notes on the next Set Put Date, and the Notes will continue. Participants who miss the window can request early redemption, which is separate from scheduled penalty-free redemption at a Set Put Date. Early redemption may be made at 95% of the aggregate principal amount of the Notes plus accrued and unpaid interest, subject to the terms, conditions, exceptions, annual limits, and other limitations described in the applicable prospectus and offering documents. Phoenix Energy may not be able to satisfy early redemption requests in all circumstances. Please see âRisk Factorsâ in the prospectus for additional information.
AVOID THESE PITFALLS
9 MISTAKES TO AVOID
1
Using Outdated Documentation
Asset statements, income documents, or verification letters older than 90 days wonât be accepted.
2
Undervaluing Non-Cash Assets
Investors often forget to include things like retirement accounts, private stock, or vested options in their net worth calculation.
3
Sending Incomplete Tax Records
For income-based verification, you must provide full tax returns (Form 1040) or W-2/1099s for two years â partial documents arenât enough.
4
Assuming Professional Licenses Donât Count
People with Series 7, 65, or 82 licenses often donât realize that these automatically qualify them â no income or net worth proof needed.
5
Including Primary Residence in Net Worth
Primary residence cannot be counted toward the $1M net worth requirement. Many people accidentally include home equity.
6
Ignoring Alternative Paths to Accreditation
All documents must show the same full legal name as on your application â mismatched names slow or disqualify the process.
7
Not Matching Names Across Documents
All documents must show the same full legal name as on your application â mismatched names slow or disqualify the process.
8
Missing or Incomplete Verifier Info on Letters
CPA or attorney letters must include the verifierâs name, license number, state of licensure, contact info, and signature.
9
Submitting Personal Docs for Entity Accreditation
If applying via a business or trust, documentation must prove the entityâs assets or structure, not just the individualâs.