# Financial Education Services: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 1 judge label across 1 category by 1 of 14 models. Page: https://www.gane.ai/index/hr/vendors/financial-education-services

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [Financial wellness platforms](https://www.gane.ai/index/hr/rewards/financial-wellness-platforms/index.md) | 0% | 107 | 100% | 1 |

## And against it

- "Known example: Financial Education Services (FES), United Wealth Education, and similar entities that were sued by the FTC for operating as a pyramid scheme" (GLM 4.7 FlashX, Financial wellness)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-5.4 mini | 0 | 0 | 0 | 0 | 0 |
| Gemini 3.5 Flash | 0 | 0 | 0 | 0 | 0 |
| Perplexity Sonar | 0 | 0 | 0 | 0 | 0 |
| Grok 4.20 | 0 | 0 | 0 | 0 | 0 |
| Mistral Small | 0 | 0 | 0 | 0 | 0 |
| DeepSeek V4 Flash | 0 | 0 | 0 | 0 | 0 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 0 | 0 | 0 | 0 | 0 |
| Kimi K2 | 0 | 0 | 0 | 0 | 0 |
| GLM 4.7 FlashX | 0 | 0 | 0 | 1 | 1 |
| MiniMax M2.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-6 Luna | 0 | 0 | 0 | 0 | 0 |
| Muse Glimmer 30B | 0 | 0 | 0 | 0 | 0 |

## Sources returned with these answers

The sites and pages cited by the answers that named Financial Education Services, from 1 of the 1 answers that named it (only the models that return a source list).

### Domains cited

- apps.apple.com: 1
- blogs.fintrens.com: 1
- cash.app: 1
- consumer.ftc.gov: 1
- consumerfinance.gov: 1
- financial-ombudsman.org.uk: 1
- firstcitizens.com: 1
- ftc.gov: 1
- g2.com: 1
- kashkick.com: 1

### Pages cited

- https://apps.apple.com/in/app/refyne/id1628740208: 1
- https://blogs.fintrens.com/why-most-fintech-apps-are-secretly-bad-for-your-money-and-what-to-use-instead: 1
- https://cash.app/learn/protect-your-money/how-to-spot-and-avoid-scams: 1
- https://consumer.ftc.gov/all-scams/debt-credit-scams: 1
- https://consumer.ftc.gov/consumer-alerts/2020/03/credit-repair-firm-settles-ftc: 1
- https://consumer.ftc.gov/consumer-alerts/2025/12/looking-fix-your-credit-illegal-credit-repair-scam-isnt-answer: 1
- https://consumerfinance.gov/ask-cfpb/how-can-i-tell-a-credit-repair-scam-from-a-reputable-credit-counselor-en-1343: 1
- https://consumerfinance.gov/ask-cfpb/what-are-some-common-types-of-fraud-and-scams-en-2092: 1

## Record

- Method: https://www.gane.ai/index/hr/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/hr.