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Echo starts by understanding fit, scope, and the decision that needs to be made. The process is designed to identify the right starting point, explain the trade-offs clearly, and only move further when the work is appropriate.
Advice should begin with a properly framed decision. Echo does not assume implementation, ongoing advice, or product change before the issue has been understood.
Confirm whether Echo is the right adviser for the issue and whether the work is within investment advice scope.
Identify the starting point and review the relevant portfolio, KiwiSaver, concentration, or retirement issue.
Where broader work is appropriate, advice is scoped, documented, and explained before decisions are made.
Ongoing advice only begins where it is agreed, useful, and clearly defined.
Echo’s process is deliberately staged. Each step has a purpose, and the work only moves forward when the fit, scope, and next decision are clear.
The fit call is used to understand what prompted the enquiry, what decision you are trying to make, and whether Echo is likely to be useful.
If there is a suitable issue to review, Echo confirms the relevant diagnostic pathway, information required, fee, and scope of work.
Echo reviews the relevant information and explains the main issues, risks, trade-offs, and decision points in plain language.
If deeper work is required, Echo defines the advice scope before preparing recommendations. Broader advice is not assumed simply because a diagnostic has been completed.
Ongoing advice is agreed separately and is designed for clients who need continuing investment oversight, review discipline, and decision support.
Echo is an investment-focused advice firm. The process is designed to make scope explicit, so clients understand what Echo can advise on, what sits outside the engagement, and when another professional may be needed.
Echo’s work is centred on portfolios, KiwiSaver, concentrated wealth, retirement funding structure, and long-term investment decisions.
Mortgage and insurance advice sit outside Echo’s current advice scope. Where needed, clients may need to speak with an appropriately licensed adviser.
Echo may consider tax or legal context where relevant, but does not provide tax or legal advice. Clients are welcome to seek independent financial, tax, or legal advice.
Advice does not automatically mean implementation or ongoing management. Each next step is agreed deliberately.
Echo is built for people who want a thinking partner, not a product salesperson. The working style is structured, direct, and focused on better investment decisions.
Advice is not shaped by commissions or provider incentives.
Advice should show the thinking behind the recommendation, not just the conclusion.
You should know what is being reviewed and what is outside the engagement.
Technology can support analysis, but responsibility and judgment remain human.
Risks, trade-offs, and recommendations should be understandable without being dumbed down.
The process should help you decide what to do next without rushing the decision.
Echo will confirm whether your situation is within scope, whether a diagnostic is appropriate, and what the next step should be.
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