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Echo Financial Advisors Ltd (FSP 1001566) is a licensed Financial Advice Provider under the Financial Markets Conduct Act 2013 (FMC Act). We are regulated by the Financial Markets Authority (FMA). We provide financial advice to New Zealand clients.
Echo Financial Advisors provides advice on investment-related financial products, including:
We do not provide mortgage or insurance advice and do not operate a DIMS. Where we discuss third-party products (e.g., a DIMS provider), this is advice about a product only, any implementation is non-discretionary and requires your explicit approval for each transaction.
We provide tailored investment recommendations designed to align with your goals, timeframe, and risk tolerance. Before any action is taken, we will always discuss our recommendations with you and seek your confirmation. Once you provide approval (by email or signed instruction), we will arrange for execution through the appropriate platform or product provider. This ensures you remain in full control of every decision, with a clear record of your consent.
All investments involve risk. Investment values and returns can go up or down, and past performance does not guarantee future results.
We use a combination of research tools, modelling software, and analytical systems (including AI-enhanced analysis) to support the advice we provide. However, all advice is reviewed, approved, and delivered by a licensed human financial adviser. No tool or model can guarantee performance.
We are a fee-only adviser. We do not accept commissions, soft-dollar incentives, or volume targets.
Depending on the nature and scope of work, our fees may include:
The exact amount, method of calculation, and payment terms will be agreed with you in writing before services commence and confirmed in your Scope of Engagement or Scope of Works documentation. Third-party costs (brokerage, product, exchange fees) are charged by providers and will be disclosed separately where relevant.
Ongoing portfolio management:
Echo Financial Advisors Ltd (“Echo”) operates on a fee-only basis. We do not accept commissions, incentives, or other forms of remuneration from product providers. At present, we also do not receive any non-monetary benefits such as training, research, or educational resources from providers.
If at any time Echo were to receive non-monetary support (such as training, research access, or educational materials) or any other benefit that could reasonably be perceived as a conflict of interest, we will:
Echo maintains internal policies and procedures designed to identify, disclose, and manage any actual or perceived conflicts of interest. We are trained to act in your best interests at all times and are required to avoid or mitigate conflicts where possible.
In line with the Code of Professional Conduct for Financial Advice Services and the Financial Markets Conduct Act 2013, Echo is required to:
We are committed to protecting your privacy. All personal and financial information you provide is collected solely for the purpose of delivering financial advice and meeting our legal obligations. Your information will be stored securely, used only for the purposes agreed with you, and disclosed to third parties only with your consent or where required by law. We comply fully with the Privacy Act 2020.
As a licensed Financial Advice Provider, we are required under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 to verify your identity, confirm your address, and in some cases verify the source of your funds or wealth. We may also be required to monitor transactions and report suspicious activity to the relevant authorities. These steps are a legal requirement for all clients.
We are required under the Financial Markets Conduct Act 2013 and related regulations to retain all records of the financial advice we provide, including your instructions, our recommendations, and any supporting documents, for at least seven years. This ensures that both you and the regulator have a clear record of the advice process.
If you are not satisfied with our service, you may contact us at:
Kevin Morgan
Email: kevin.morgan@echo-financial-advisors.co.nz
We will acknowledge your complaint within 2 business days and aim to resolve it promptly. If we cannot resolve your complaint internally, you may refer it free of charge to our external dispute resolution scheme:
Financial Dispute Resolution Service (FDRS)
Echo Financial Advisors Ltd. (FSP 1001566) is licensed by the Financial Markets Authority (FMA) to provide financial advice services.
All advice is provided by Kevin Morgan, Director and Financial Adviser of Echo Financial Advisors Ltd.
Echo Financial Advisors Ltd. and its advisers are bound by the duties set out in the Financial Markets Conduct Act 2013, including to:
These duties are designed to ensure you receive high-quality, professional, and client-focused financial advice.
Echo Financial Advisors LTD (FSP 1001566) is the Financial Advice Provider
Email: info@echo-financial-advisors.co.nz
Website: www.echo-financial-advisors.co.nz
You can check our registration and licence details on the Financial Service Providers Register at fsp-register.companiesoffice.govt.nz