Cancellation & Refund Policy

LETTER OF ENGAGEMEENT

1. PARTIES TO THE AGREEMENT

This Letter of Engagement (‘LOE’) issued on the above-mentioned date, outlines the Investment Advisory Agreement (‘Agreement’) between me/us, PRATEEK SINGH SEBI RIA | CFP® | CFA® | CWM®, the Investment Adviser (‘IA’) and you, [# Entry: Client Name] having PAN: [# Entry], the Client, including the investment advisory services provided by me/us, also incorporating the terms and conditions specified by the Securities and Exchange Board of India (‘SEBI’).

The terms “IA” and “Client,” unless repugnant to the context or otherwise excluded, shall include their successors and permitted assigns. The IA and Client may be individually referred to as the ‘party’ and collectively as ‘parties’.

2. CONSENT OF THE CLIENT

The LOE is subject to your consent, indicating your agreement to the following statements.

I/We have read and understood the terms and conditions of Investment Advisory services provided by the IA, along with the fee structure and mechanism for charging and payment of fees. Based on my/our written request to the IA, an opportunity was provided by the IA to ask questions and interact with the person(s) associated with the investment advice.

3. DECLARATIONS FROM THE ADVISER

I/We shall neither render any investment advice nor charge any fee until you have signed this Agreement.

I/We shall not manage funds and securities on your behalf and shall only receive such sums of monies from you as are necessary to discharge your liability towards fees owed to me/us.

I/We shall not, in the course of performing my/our services to you, hold out any investment advice implying any assured returns/minimum returns/target returns or percentage accuracy or service provision till achievement of target returns or any other nomenclature that gives the impression to you that the investment advice is risk- free and/or not susceptible to market risks and/or that it can generate returns with any level of assurance.

4. FEES DISCLOSURE

The Fees specified under SEBI (Investment Advisers) Regulations, 2013 (‘IA Regulations’) and relevant circulars issued thereunder are mentioned in Schedule–A (MITC) Clauses 6–8 and the Fees charged to the Client are mentioned in Schedule–B, subject to this Agreement.

5. MITC

The standardized Most Important Terms and Conditions (MITC) for Investment Advisors, as issued by SEBI (or under its authority), mentioned in Schedule-A, shall form part of this Agreement, and shall be read along with it.

6. APPOINTMENT OF ADVISER

In accordance with the applicable laws, you hereby appoint me/us, the investment adviser, entirely at your risk, to provide the required services in accordance with the terms and conditions of the Agreement herein, as mandated u/r 19(1)(d) of the IA Regulations.

7. SERVICES AND FEES

In accordance with the permitted activities under the IA Regulations, I/We shall provide you, the service(s) described as in Schedule B. You agree to pay the applicable fees to me/us, for such service(s) as in Schedule B and subject to related terms as in such schedule, subject to this Agreement.

I/We, shall not be responsible for the advice given to you by other investment advisers. It is not part of my/our service to review the suitability of advice previously given to you, unless I/We have specifically agreed to do so.

8. IMPLEMENTATION OF ADVICE OR EXECUTION

I/We may provide implementation services to you subject to the provisions u/r 22A of IA Regulations and regulatory mandates. However, you shall not be under any obligation to avail such implementation services.

9. FUNCTIONS OF IA

The functions, obligations, duties and responsibilities of the IA (including principal officer and all persons associated with the investment advice) include the following, among others to discharge the Investment advisory services, subject to this agreement:

a. I/We shall act in a Fiduciary capacity towards you, at all times.

b. I/We shall follow Know Your Client (‘KYC’) procedure as specified by SEBI from time to time.

c. I/We undertake to abide by the Code of Conduct as specified in Third Schedule of the IA Regulations.

d. I/We shall ensure compliance with the certification and qualification requirements as specified u/r 7 of IA Regulations, at all times. These include the qualification and certification requirements for an individual IA or principal officer of a non-individual IA registered under the IA Regulations, as the case may be, and the persons associated with investment advice.

e. I/We shall ensure compliance with the IA Regulations and its amendments, rules, circulars and notifications.

f. I/We shall ensure compliance with the eligibility criteria as specified under the IA Regulations at all times.

g. I/We follow a set process of risk profiling, risk assessment and suitability analysis, as mandated u/r 16 and 17 of IA Regulations and other regulatory mandates, including your risk capacity and risk aversion.

h. I/We shall provide reports to my/our client on potential and current investments.

i. I/We shall maintain the records, as specified u/r 19(1) of IA Regulations and related books of accounts including client accounts and data.

j. I/We shall conduct yearly audit u/r 19(3) of IA Regulations, in respect of compliance with the IA Regulations.

10. INVESTMENT OBJECTIVE AND GUIDELINES

a. I/We shall provide investment advice in certain types of securities, including but not limited to Shares of Companies (Equity), Debentures, Bonds, Other Debt Instruments, Derivatives, Mutual Funds, Alternative Investment Funds (AIFs), Collective Investment Schemes (CIS), Real Estate Investment Trusts (REITs), Infrastructure Investment Trusts (InvITs), Commodity Derivatives, Listed Corporate Debt Instruments, Foreign Portfolio Investments (via FPIs). However, in case, any other types of securities are included in my/our investment advice, we shall inform you of the same.

b. I/We undertake to recommend direct implementation of advice i.e. through direct schemes/direct codes, and other client specifications/restrictions on investments, if any.

c. I/We shall adopt the financial plan or model or strategy as agreed with you (based on the risk profiling conducted for you, your total AUA and the time period for deployment), as the case may be.

d. I/We shall mutually along with you understand the tax-related aspects pertaining to investment advice, subject to you sharing your current tax situation and related pertinent matters, as the case may be.

11. RISK FACTORS

The Client agrees that it fully understands the risks associated with each type of investment, including the standard risks associated with each type of investment in Securities and Investment products. In case of lack of understanding or lack of clarity on the associated risk factors, you agree to ask me/us, for further information.

12. VALIDITY OF ADVISORY SERVICES

This Agreement shall be valid for a period of one year from the date of issue of this LOE and shall be renewed for a further period of one year, by mutual consent in writing, on such terms and conditions as may be agreed upon, either with or without amendments. The renewal shall be effected by the parties within one month after the expiry of the validity of the current agreement.

13. AMENDMENTS

The Agreement may be amended by mutual written consent of the parties. Either of the parties shall provide with thirty days written notice to the other, proposing the changes to this Agreement or with the proposed revised agreement, which may or may not be accepted by such other party.

In case of mutual acceptance of the proposed amendments, the same shall be effective, generally from the date of such mutual acceptance. However, on mutual agreement, such amendments may be held effective from the date of issue of this LOE or renewed date of the Agreement, whichever is later.

In case of any party, not accepting the proposed amendments, the same shall not be effective and the Agreement shall continue to be valid, subject to the Agreement herein. However, either of the parties, not agreeing to such proposed amendments, may proceed for termination, subject to the terms of termination, agreed herein.

14. TERMINATION

a. This Agreement may be terminated by the IA, without penalty, at any time, upon written notice of 30 days to the Client, of such intention to terminate.

b. This Agreement may be terminated by the Client, at any time, upon written notice of 30 days to the IA, of such intention to terminate. A total of a 6-month Advisory Fee or the Fee corresponding to the amount of time under agreement, whichever is higher, shall be charged in such a situation.

c. This Agreement may be terminated automatically, upon the final order of cancellation of the certificate of registration of the IA by SEBI.

d. In case of suspension of the certificate of registration of the IA by SEBI, the Agreement may be terminated by the Client at its option.

e. In case of any other action taken by other regulatory body (other than SEBI) or Government authority, which necessitates the termination of this Agreement, this Agreement may be terminated.

15. IMPLICATIONS OF AMENDMENTS AND TERMINATION

The amendment, termination, expiry of validity and assignment of this Agreement, as per terms contained herein, shall be without prejudice to any transactions already initiated, which shall be completed according to the Agreement herein, unless otherwise agreed in writing.

Upon termination or expiry of validity of this Agreement, the Client shall be immediately liable to pay for any transactions made or initiated prior to such termination or expiry of validity of this Agreement, all charges accrued to the client’s account and any fees outstanding as outlined in this Agreement or any agreement in place.

The fees and related terms in connection to such termination/expiry, shall be as in Schedule–B.

Upon termination or expiry of validity of this Agreement, the IA shall facilitate and provide necessary information and reports for smooth termination of services thereby handing-over or concluding as may be applicable, the transactions made or initiated prior to such termination or expiry of validity of this Agreement.

16. DISCLOSURES BY IA TO CLIENT

a. You agree that I/We have disclosed to you, all material information about myself/ourself including my/our business, disciplinary history, the terms and conditions on which I/We offer advisory services, affiliations with other intermediaries and such other information as is necessary to take an informed decision on whether or not to avail my/our services.

b. I/We may have holding or position in the financial products or securities which are subject matter of my/our advice to you and you agree to consent and permit for the same. In case, you need any confirmation or clarification or have any objection in my/our such holding or position, you shall notify me/us immediately.

c. I/We shall disclose to you, any actual or potential conflicts of interest arising from any connection to or association with any issuer of products/ securities, including any material information or facts that might compromise my/our objectivity or independence in the carrying on of investment advisory services.

d. I/We shall, while making investment advice to you, inform you of all material facts relating to the key features of the products or securities, particularly, performance track record.

e. I/We draw your attention to the warnings and disclaimers in documents, advertising materials relating to an investment product which I/We recommend to you.

f. I/We declare that I am/We are carrying on my/our activities independently, at an arms-length basis with my/our related parties, if any.

g. In case of any use of Artificial Intelligence (AI) tools for my/our investment advisory services, I/We shall be solely responsible for the security, confidentiality, and integrity of the client data, use of any other information or data to arrive at investment advice, investment advice based on output of AI tools and compliance with any law for the time being in force. Further, I/We shall disclose to you, from time to time, as may be applicable, the extent of use of AI tools in providing investment advice.

17. IA ENGAGED IN OTHER ACTIVITIES

In case of engaging in activities other than investment advisory services, I/We shall ensure that –

Arms-length relationship is maintained with IA services.
Clear segregation is maintained with IA services, in the manner prescribed under IA Regulations.
Any conflict of interest of IA services with other activities, are disclosed to you.

I/We shall ensure that, directly or through my/our family/group, I/We shall not provide distribution services to you, during the validity of the Agreement. In case you are receiving distribution services from me/us, directly or through my/our family/group, I/We shall not provide investment advisory services to you.

18. OTHER DECLARATIONS AND REPRESENTATIONS BY IA

a) I/We shall inform you, prior to undertaking any actions in relation to the securities or investment product advised by me/us and you agree to consent and permit for the same. In case, you have any objection in my/our undertaking such actions in relation to the securities or investment product advised by me/us, you shall notify me/us immediately.

b) I/We, the investment advisor, shall not enter into transactions on my/our own account which is contrary to my/our advice given to you for a period of fifteen days from the day of such advice.

Provided that during the period of such fifteen days, if I am/We are of the opinion that the situation has changed, then I/We may enter into such a transaction on my/our own account after giving such revised assessment to you at least 24 hours in advance of entering into such transaction.

You agree that the advice given to you is subject to a specific set of factors including the client-profile, risk-profile, goals, market conditions and others, and such set of factors differ for different persons including me/us. Therefore, you agree to consent and permit that I/We may enter into transactions on my/our own account which may be contrary to my/our advice given to you. In case, you need any confirmation or clarification or have any objection in my/our such transactions or holding or position, you shall notify me/us immediately.

c) I/We shall not act on my/our own account, knowingly to sell securities or investment products to or purchase securities or investment products from a client.

d) I/We shall not seek any power of attorney or authorizations from you, for implementation of any investment advice.

e) I/We shall disclose all conflicts of interest to you, as and when they arise and shall not derive any direct or indirect benefit out of your securities / investment products.

f) I/We shall ensure receipt of and maintenance of, all applicable approvals and consents, including regulatory, statutory, third party and corporate, as the case may be.

g) I/We shall not divulge any confidential information about you, which has come to my/our knowledge, without taking your prior permission, except where such disclosures are required to be made in compliance with any law for the time being in force.

You hereby agree, acknowledge, consent and permit to the processing and use of your confidential information including personal data and financial data, by me/us including my/our third party vendors, as far as it is necessary for the performance of my/our functions, obligations and responsibilities, towards providing services, herein.

19. DEATH OR DISABILITY OF CLIENT

The death / disability of the client shall not terminate or change the terms of agreement. However, in such case, the Agreement may be terminated by the IA, at its option.

To provide effective services subject to this Agreement, the IA shall be informed in writing about the client’s death / disability, along with relevant documentary proof of such death / disability. The client shall be entitled, by notice in writing to the IA, to nominate a nominee in its place as client, upon the death / disability of the client, subject to the terms of this Agreement.

20. DEATH OR DISABILITY OF IA

In the eventuality of the death/disability of the IA, the Agreement shall stand terminated. Accordingly, PRATYUSH SINGH having PAN: NBMPS3040E, Mobile: +91 9560909413 and Email: pratyush@azadparivaar.in, shall be considered as the “Obligor”, the person-in-charge, for the limited purpose of my/our Investment advisory services pertaining to this LOE, who shall take necessary steps, to ensure the protection of interest of the clients and redressal of clients’ claims, including but not limited to:

a) Notifying clients of the occurrence of the eventuality and confirming assumption of responsibility as Obligor,

b) Settlement of account with the client (fees payable and/or fees refundable),

c) Completion of the transition of any outstanding business to another duly registered IA, and

d) Redressal of any outstanding or new disputes/claims of clients.

21. OTHER DECLARATIONS AND REPRESENTATIONS BY CLIENT

a) You hereby agree to provide complete, accurate and relevant information, and cooperation, timely, at all times, to enable me/us, discharge my/our investment advisory services to you, subject to this Agreement and also enable me/us to comply with the regulatory mandates.

b) You hereby agree that, I/We, the IA shall not incur any liability by reason of any loss, which you may suffer by reason of any depletion in value of assets under advice, which may result by reason of fluctuation in asset value, or by reason of non-performance or under-performance of securities/funds or any market conditions.

c) You hereby agree to not divulge any confidential information about me/us, which has come to your knowledge, without taking my/our prior permission, except where such disclosures are required to be made in compliance with any law for the time being in force.

22. REDRESSAL / SETTLEMENT OF GRIEVANCES / DISPUTES

The parties hereto acknowledge and agree that the performances required by the provisions of this Agreement and the exercise of rights herein shall be undertaken in good faith, and with the parties dealing fairly with each other.

In case of any grievance/dispute, the same shall be redressed as per the mechanism described in Schedule A (MITC) Clause 12, and the regulatory mandates, including the timelines specified under SEBI circulars.

Your grievances pertaining to financial products in which investments have been made based on investment advice shall fall within the purview of the regulator of such financial product.

In the case of investment advice related to products or services not under the purview of SEBI – the client hereby declares and undertakes that such products/services and the services of IA in respect of such products/services do not come under regulatory purview of SEBI and no recourse is available to the client with SEBI for their grievances related to such products/services or services of IA in respect of such products/services

23. SEVERABILITY

In the event that any clause, portion, provision or part of the provision of this Agreement shall be held or made invalid, illegal, or otherwise unenforceable by a court decision, statute, rule or otherwise, the validity, legality, and enforceability of the remaining provisions herein shall in no way be affected or impaired thereby.

24. FORCE MAJEURE

I/We, shall not be liable for any delays or errors or failure to perform my/our functions and obligations under this Agreement, if the failure results from events beyond the reasonable control of the parties.

For the purpose of this Agreement, such events shall include, but not limited to, strikes, terrorist attacks, lock-outs, labour disputes, riots, civil disturbances, actions or inactions of government authorities, acts of civil or military authority, national emergencies, state emergencies, work stoppages, lockdowns imposed by Centre, State or District authorities or any authority, fire, flood, catastrophe, epidemics, pandemics, wars, embargoes, acts of God, insurrection, failure of technology or communication or power supply or other catastrophes.

In the event of equipment breakdowns beyond its control, I/We, shall take reasonable steps to minimize service interruptions but shall have no liability with respect thereto.

In case of such events, the time for performance required by the party under this Agreement shall be extended for such period during which performance is prevented by the event. The force majeure shall not prejudice or otherwise affect the other party’s rights or obligations that accrued on or before the date of occurrence of force majeure.

25. OBLIGATIONS OF PARTIES

Each of the parties agree to perform such further actions and execute such further agreements as are necessary to effectuate the purposes hereof.

26. GOVERNING LAW & JURISDICTION

The terms of this Agreement shall be governed by and construed in accordance with the laws of India and subject to the jurisdiction of the Courts in New Delhi, India.

27. COUNTERPARTS

The parties agree that this Agreement may be executed in one or more counterparts, each of which shall be deemed as original and all of which shall constitute a single agreement.

The parties, hereto have hereunto set and subscribed their respective hands, on the date, month and year first above mentioned.

Name of Client:

Signature of Client:

PRATEEK SINGH

SEBI Registered Investment Adviser

CFP® | CFA® | CWM®

Signature of Adviser:

Schedule–A

Most Important Terms and Conditions (MITC)

In accordance to SEBI Circular No. SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2025/19 dt. February 17, 2025 and further updated by SEBI Circular No. SEBI/HO/MIRSD/ MIRSD-PoD/P/CIR/2025/48 dt. April 2, 2025.

The Investment Adviser (IA) shall only accept payments towards its fees for Investment Advisory Services and is not permitted to accept funds or securities in its account on the client’s behalf.
The IA does not guarantee returns, accuracy, or risk-free investments. All advice is subject to market risks, and there is no assurance of any returns or profits.
Any assured/guaranteed/fixed returns schemes or any other schemes of similar nature are prohibited by law. No scheme of this nature shall be offered to the client by the IA.
Investment advice, only related to securities shall fall under the purview of SEBI. In case of any services offered by IA related to products/services not under the purview of SEBI, IA shall make disclosure to the client and take appropriate declaration and undertaking from the client that such products/services and the services of IA in respect of such products/services do not come under regulatory purview of SEBI and that no recourse is available to the client with SEBI for grievances related to such products/services or services of IA in respect of such products/services.
This Agreement is for the investment advisory services provided by the IA and IA cannot execute/carry out any trade (purchase/sell transaction) on behalf of the client without his/her/its specific and positive consent on every trade. Thus, the client is advised not to permit IA to execute any trade on his/her/its behalf without explicit consent.
The fee charged by IA to the client will be subject to the maximum of amount prescribed by SEBI/Investment Adviser Administration and Supervisory Body (IAASB) from time to time (applicable only for Individual and HUF Clients).

Note:

(i) The current fee limit under Fixed Fee mode is Rs 1,51,000/- per annum per family of client. Under Assets under Advice (AUA) mode, maximum fee limit is 2.5 per cent of AUA per annum per family of client.

(ii) The IA may change the fee mode at any time with the client’s consent; however, the maximum fee limit in such cases shall be higher of fee limit under the fixed fee mode or 2.5 per cent of AUA per annum per family of client.

(iii) The fee limits do not include statutory charges.

(iv) The fee limits apply only for investment advice related to securities under purview of SEBI.

(v) The fee limits do not apply to a non-individual client / accredited investor.

7. IA may charge fees in advance if agreed by the client. Such advance shall not exceed the period stipulated by SEBI; presently it is maximum one year. In case of pre- mature termination of the IA services by the client or the IA, the client shall be entitled to seek refund of proportionate fees only for unexpired period. However, IA is entitled to retain a maximum breakage fee of not greater than one-quarter fee.

Note: These fee related provisions do not apply to a non-individual client / accredited investor.

8. Fees to IA may be paid by the client through any of the specified modes like cheque, online bank transfer, UPI, etc. Cash payment is not allowed. Optionally the client can make payments through Centralized Fee Collection Mechanism (CeFCoM), managed by BSE Limited (i.e. currently recognized IAASB).

9. The IA is expected to know the client’s financial details for providing services. Hence, the client is required to share the financial information (e.g. income, existing investments, liabilities, etc.) with the IA.

10. The IA is required to carry out the client’s risk profiling and suitability analysis before providing services and thereafter on an ongoing basis. The services provided will be in line with the assessed risk profile. IA shall also communicate the assessed risk profile to the client.

11. As part of conflict of interest management, the client or the client’s family members will not be provided any distribution services by IA or any of its group entity/ family members. IA shall, wherever available, advice direct plans (non-commission based) of products only.

The IA shall endeavor to promptly inform the client of any conflict of interest that may affect the services being rendered to the client.

12. For any grievances,

Step 1: The client should first contact the IA using the details on its website.

Step 2 : If the resolution provided by IA is unsatisfactory, the client can lodge grievances through SEBI’s SCORES platform at www.scores.sebi.gov.in

Step 3: If the client remains dissatisfied with the outcome of the SCORES complaint, the client may consider the Online Dispute Resolution (ODR) through the Smart ODR portal at https://smartodr.in

13. The SEBI registration, enlistment with IAASB, and NISM certification do not guarantee the performance of IA or assure returns to the client.

14. Clients are required to keep contact details, including email id and mobile number/s updated with the IA at all times.

15. The IA shall never ask for the client’s login credentials and OTPs for the client’s Trading Account, Demat Account and Bank Account. Never share such information with anyone including IA.

Schedule–B

IA Services and Fees

In accordance with the permitted activities under the IA Regulations, I/We shall provide you, the service(s) described below. The following also contains the applicable fees payable by the Client for such service(s) mentioned herein.

1. INTRODUCTION

I am/We are engaged in the business of providing comprehensive investment advisory, education & coaching, including financial planning and wealth management services aligned to your most important goals and deeply held values.

I/We take the time to fully establish your objectives, what it is about money that is most important to you and how much risk you are willing and able to accept. I/We then set about recommending/creating a plan to offer you the best prospects for success.

2. DESCRIPTION OF SERVICE(S)

I/We provide the following services, described in detail below, along with the applicable fees and related terms.

a. ✨ Financial F.R.E.E.D.O.M. Seminar (FFS) ✨

Busting the Myths about Investment Management & Financial Planning
Understanding the Indian & Global Financial Industries and How They Work
Understanding the True Meaning of Financial Freedom for You
Calculating your Financial Freedom Number & Image

b. ✨ Financial F.R.E.E.D.O.M. Program (FFP) | AZAD PARIVAAR® Package ✨

Financial F.R.E.E.D.O.M. Program (2-Day LIVE)
Create Your Customized Investment Plan (IP) with us LIVE.
AZAD PARIVAAR® Video Bundle - 12-Month Learning with PDF’s
Free Access to Financial F.R.E.E.D.O.M. Seminar until you attend the FFP.
3 Recorded MasterClasses → 1st MC is ‘Post F.F.P. Implementation MasterClass'

c. ✨ Financial F.R.E.E.D.O.M. Coaching & Advisory (FFCA) | FREEDOM Package ✨

Preparation & Complete Implementation of your Financial Wealth Plan (FWP) through 12 LIVE Online 1-on-1 Advisory Consultations with Your AZAD PARIVAAR® Financial Advisory Team
12 Must-Do Attached Recorded Trainings for FFCAdvisory (upon request)
20 Can-Do Recorded Trainings for Knowledge Building (upon request)
12 Monthly LIVE HOLISTIC MasterClasses for Financial Freedom through Holistic Living in the 21st Century (upon request)
Final - Financial Wealth Plan (F.W.P.) - in Physical Form - delivered to your Doorstep at the end of the 1-Year Membership Period
Complete Access to our Financial Advisory Team via Digital Channels (throughout the 1-Year Membership Period in Business Hours)
Complete Access to the Financial FREEDOM Program (FFP) across your 1-Year Membership Period

d. ✨ Comprehensive Investment Plan Creation (IP) (1-time) ✨

Creation of a Comprehensive Investment Plan (IP) for Your Family, taking into consideration your Cash Flow Budgeting, Net-Worth Analysis, Current Asset Allocation, Risk Profiling, Ratio Analysis, Financial Goals Planning and Basic Loan Analysis.

e. ✨ Comprehensive Financial Plan Creation (FP) (1-time) ✨

Creation of a Comprehensive Financial Plan (FP) for Your Family, taking into consideration your Cash Flow Budgeting, Net-Worth Analysis, Current Asset Allocation, Risk Profiling, Ratio Analysis, Financial Goals Planning and Basic Loan Analysis, Insurance Needs Analsyis (INA) , Basic Tax Analysis Plan (TAP) , Gratitude Sheet.

f. ✨ Crisis Financial Plan Creation (CFPC) ✨

Creation of a Crisis Financial Plan (FP) for Your Family, taking into consideration your Cash Flow Budgeting, Net-Worth Analysis, Current Asset Allocation, Risk Profiling, Ratio Analysis, Financial Goals Planning and Basic Loan Analysis, Insurance Needs Analsyis (INA) , Basic Tax Analysis Plan (TAP) , Gratitude Sheet.
Cater to Your Urgent Financial Planning & Advice Requirement coming from an expert

3. FEES STRUCTURE / MECHANISM

a. ✨ Financial F.R.E.E.D.O.M. Seminar (FFS) ✨

Fixed Fee - ₹ 199/- for 1 Ticket
Charged each time you attend
Payment in Advance (at the time of booking)

b. ✨ Financial F.R.E.E.D.O.M. Program (FFP) ✨

Fixed Fee - ₹ 19,997/- for 1 Ticket
Charged each time you attend
Payment in Advance (at the time of booking)

c. ✨ Financial F.R.E.E.D.O.M. Coaching & Advisory (FFCA) ✨

AUA-based Fee - 1.25% of Assets under Advice (AUA)
Charged Annually
Payment in Advance (Beginning of the Membership Period | Within 21 Days of Booking)
Service Period is 12 Months from the beginning of the service.

d. ✨ 1-time Investment Plan Creation (IPC) ✨

Fixed Fee - ₹ 34,997/- for 1 Plan
Charged each time a fresh plan is prepared
Payment in Advance (at the time of booking)

e. ✨ 1-time Financial Plan Creation (FPC) ✨

Fixed Fee - ₹ 49,997/- for 1 Plan
Charged each time a fresh plan is prepared
Payment in Advance (at the time of booking)

f. ✨ Crisis Financial Plan Creation (CFPC) ✨

Fixed Fee - ₹ 19,997/- for 1 Plan
Charged each time a fresh plan is prepared
Payment in Advance (at the time of booking)

Note:

(i) The fees quoted are exclusive of taxes, which shall be levied additionally as per the rates in force.

(ii) The IA shall be eligible for the collection of fees in advance, at the discretion of the IA, and the same shall be subject to the regulatory mandates applicable from time to time.

4. FEES DETERMINATION ILLUSTRATION

✨ Financial F.R.E.E.D.O.M. Coaching & Advisory (FFCA) ✨

AUA-based Fee - 1.25% of Assets under Advice (AUA)
Charged Annually
Payment in Advance (Beginning of the Membership Period | Within 21 Days of Booking)
Service Period is 12 Months from the beginning of the service.

Let’s say Mr. Bannerjee & his Family have a Combined Total Net-Worth of Rs. 12.5 Cr.

Out of which, Rs. 2.5 Cr is the value of their Personal Assets like Personal Home etc.

This means that their Financial Net-Worth is Rs. 10 Cr.

Now, they approach the ‘AZAD PARIVAAR™’ Advisory Team to take on their Comprehensive & Integrated Financial Planning & Wealth Management, i.e. complete hand-holding by a Registered Investment Advisor for the entire year.

Total Financial Net-Worth = Total Assets under Advice (AUA) = Rs. 10 Crore

AZAD PARIVAAR™ Advisory Fee (Annual) = 1.25% of AUA = 1.25% of Rs. 10 Crore

= Rs. 12,50,000/- + GST (for 12-month Advisory period)

Email prateeksinghkumar@azadparivaar.in with any questions.

PRATEEK SINGH
SEBI RIA | CFP® | CFA® | CWM®

SEBI Registration No. INA000020077