How It Works

Five steps from ask to audit trail.

Every Palnu testimonial follows the same path: advisor requests it, client writes it, disclosures are auto-attached, a principal approves it, and the audit trail captures everything. Here's exactly what each step looks like.

1
Advisor sends request

Ask for the testimonial.

The advisor picks a client, selects a template (NPS, referral ask, open-ended), and sends a branded email or SMS. The client sees the advisor's name and firm, not Palnu.

Average client open rate: 68%. Average completion rate: 41%.

palnu.com/dashboard
New testimonial request to Margaret Chen
JW
James Whitfield, CFPWhitfield Wealth Management
Hi Margaret, I hope you're doing well. It would mean a lot to me if you'd share a few words about your experience working with our team. It only takes about two minutes.
Share your experience →
2
Client responds

Client writes, consents.

The client fills out a mobile-friendly form. At the end, they answer the Marketing Rule questionnaire: Are you a current client? Were you compensated? Any conflicts? And they give explicit, recorded consent for their words to be used.

SEC 206(4)-1 questionnaire
share.palnu.co/ww-3k9
James and his team completely changed how I think about retirement planning. After 15 years with a big wireframe firm, switching to Whitfield was the best financial decision I've made.
Submit →
3
Disclosure auto-generated

Disclosures, handled.

Based on the client's answers, Palnu selects the correct disclosure template (one of four) and attaches it permanently to the testimonial record. Required fields cannot be removed by the advisor.

SEC 206(4)-1(b)(1)
Disclosure engine
Client status
Current client
Compensation
None
Conflicts
None disclosed
Template selected
Template A
Auto-generated disclosure

This testimonial was given by a current client of Whitfield Wealth Management. The client was not compensated, directly or indirectly, for providing this statement. Client experiences are not representative of the experience of all clients and are not a guarantee of future performance or success.

4
Principal reviews

CCO says yes.

The designated principal (typically the CCO) receives a notification, reviews the testimonial text, the auto-generated disclosure, and the client's consent answers. They approve, request changes, or reject. Every action is timestamped.

FINRA 2210(b)(1)
Principal review queue
Margaret Chen · Whitfield Wealth Management
Pending review
"James and his team completely changed how I think about retirement planning. After 15 years with a big wireframe firm, switching to Whitfield was the best financial decision I've made."
Disclosure: Template A (uncompensated current client). No compensation. No conflicts. Consent: recorded 2026-03-14 18:42 UTC.
5
Published + logged

Live with a paper trail.

The approved testimonial appears in the advisor's website widget with the disclosure permanently attached. The full chain of events, from request to publication, is written to Palnu's append-only audit log and retained for five years.

SEC 204-2 · FINRA 4511
whitfieldwealth.com
"James and his team completely changed how I think about retirement planning. After 15 years with a big wireframe firm, switching to Whitfield was the best financial decision I've made."
MC
Margaret Chen
Client since 2019
This testimonial was given by a current client of Whitfield Wealth Management. The client was not compensated, directly or indirectly, for providing this statement. Client experiences are not representative of the experience of all clients and are not a guarantee of future performance or success.
event: approved → published
reviewer: Sarah Doyle (CCO)
timestamp: 2026-03-14T19:01:44.217Z
retention: 5 years (expires 2031-03-14)

See it live.

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