Disclosures

1. Registration Details

2. Services Offered

EchoWealth provides the following services:

• Investment Advisory: Risk profiling, asset allocation, portfolio construction and review, and investment recommendations.
• Financial Planning: Goal-based planning covering wealth accumulation, education, retirement, and estate transfer.
• Tax Advisory: Direct and indirect tax planning, ITR filing assistance, GST compliance, and business structuring.
• Estate Planning: Will drafting, trust structuring, nomination review, and succession planning.
• Realty Advisory: Real estate investment strategy, property portfolio management, and NRI realty services.
• Business Solutions: Corporate financial advisory, working capital planning, and SME advisory.

3. Fee Disclosure

As a registered Investment Adviser, EchoWealth charges fees only from clients. We do not accept commissions, trail fees, or referral fees from any mutual fund house, insurance company, or other financial product manufacturer.

• Fixed Fee: A flat fee agreed upon prior to engagement, payable on commencement of services.
• Asset-Based Fee: A percentage of Assets Under Advice (AUA), charged quarterly or annually as specified in the engagement letter.
• Retainer Fee: A recurring monthly or annual fee for ongoing advisory and planning services.

Detailed fee schedules are provided in the engagement letter / client agreement before commencement of services. Fees are subject to applicable taxes (GST).

4. Conflict of Interest Policy

EchoWealth does not receive any distributor commissions, referral fees, or incentives from product manufacturers. All recommendations are made solely in the interest of the client. Where a potential conflict of interest exists — such as a team member having a personal investment in a recommended product — this will be disclosed to the client in writing prior to the recommendation.

5. Risk Factors

Clients are advised of the following key risks before engaging in investment activities:

• Market Risk: The value of investments can fall as well as rise. There is no assurance that the investment objective will be achieved.
• Liquidity Risk: Certain investments (e.g., real estate, unlisted securities) may not be readily convertible to cash.
• Inflation Risk: Returns on investments may not keep pace with inflation.
• Regulatory Risk: Changes in laws, tax regulations, or SEBI guidelines may affect the value or tax treatment of investments.
• Currency Risk: For NRI clients investing in Indian markets, exchange rate fluctuations may affect returns in foreign currency terms.
• Credit Risk: Investments in debt instruments carry the risk of issuer default.

6. Regulatory Oversight

EchoWealth is regulated by the Securities and Exchange Board of India (SEBI). Clients may contact SEBI for any grievances:

• SEBI SCORES (Online Grievance Redressal): scores.sebi.gov.in
• SEBI Toll-Free Helpline: 1800 22 7575 / 1800 266 7575
• SEBI Headquarters: Plot No. C4-A, G Block, Bandra Kurla Complex, Mumbai – 400 051

7. Grievance Redressal

Clients with grievances may contact:

• Grievance Redressal Officer: [Name — to be updated]
• Email: grievance@echowealth.in
• Response Time: We endeavour to resolve complaints within 30 calendar days of receipt.

If not resolved within 30 days, clients may escalate to SEBI SCORES or approach the relevant regulatory authority.

8. KYC Requirement

In accordance with SEBI regulations and PMLA, 2002, all clients must complete the Know Your Customer (KYC) process before availing investment advisory services. KYC verification is conducted through SEBI-registered KYC Registration Agencies (KRAs).

9. Execution of Transactions

EchoWealth is an advisory firm and does not execute transactions on behalf of clients. Clients retain full control over their investments and must place orders through their own registered brokers, mutual fund platforms, or banking channels. Our role is limited to providing advice.

10. Important Notice

Investment advice provided by EchoWealth is based on information furnished by the client and publicly available data. EchoWealth does not guarantee the accuracy of market forecasts or investment outcomes. Past performance is not a reliable indicator of future results. Clients are advised to read all scheme-related documents carefully before investing.

This disclosure document is updated periodically. For the most current version, please visit our website or contact us at info@echowealth.in.