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Many investment decisions stall because the issue has not been properly diagnosed. Is the real concern portfolio risk, concentration, KiwiSaver drift, retirement sequencing, or simply the need for an independent second view?
Echo’s diagnostics are designed to locate the issue before broader advice is considered.
The first job is not to sell you a product or rush into recommendations. It is to understand what decision needs to be made, whether Echo is the right fit, and what level of advice is appropriate.
Spot the symptom
Something feels stale, concentrated, unclear, or harder to judge than it used to.
Locate the issue
Echo separates portfolio structure, concentration, KiwiSaver, retirement, and decision-context problems.
Define the route
The diagnostic determines whether the next step is focused review, deeper advice, or no further engagement.
Decide with context
Any later advice should be based on fit, scope, evidence, and a clearly understood decision.
For investors who want to pressure-test their portfolio before making larger decisions. The review looks at what you own, where the exposures sit, and whether the portfolio still matches the job it is meant to do.
Most useful when:
Your investments have grown in different places over time
You are unsure where the real risk sits
You want a serious second view before changing strategy
You need to test whether the portfolio still supports your objectives
What you own, where it sits, and whether the portfolio has become fragmented.
Where concentration, volatility, currency, liquidity, or sequencing risks may be hiding.
What deserves review, what may require deeper advice, and what may not need action.
The Portfolio Stress Test is the broad starting point when the whole portfolio needs review. These narrower diagnostics are designed for situations where one area is already the obvious source of concern.
For people whose KiwiSaver settings may have quietly drifted away from their age, risk capacity, time horizon, or retirement direction.
Best for: stale settings, unclear fund choice, changing time horizon, or retirement planning context.
For people whose wealth may depend too heavily on one employer, company, asset, sector, property exposure, or legacy position.
Best for: employer shares, RSUs, business wealth, legacy holdings, or oversized single positions.
For people approaching or entering retirement who need to understand how capital, income, withdrawals, risk, and timing fit together.
Best for: approaching retirement, uncertain income structure, withdrawal planning, or portfolio suitability concerns.
Each diagnostic is designed to create a useful view of the issue before broader advice is considered. The process is scoped, evidence-led, and focused on the decision that needs to be made.
Echo will confirm whether your situation is within scope, whether a diagnostic is appropriate, and which starting point makes the most sense.
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