Disclosures & Compliance

Registration does not imply endorsement: Registration with SEBI as an Investment Adviser does not guarantee a certain level of skill or training, nor does it constitute an endorsement of the quality of services provided by Fiduciary First Advisory.

Clients are encouraged to verify the registration status of Fiduciary First Advisory on SEBI's official website: SEBI IRDA Search.

Fiduciary First Advisory charges fees on a flat-fee model comprising two components: a one-time flat fee at onboarding, and a fixed quarterly payment thereafter. Both components are the same for every client regardless of which services they require, the complexity of their financial situation, or the size of their portfolio. We do not charge a percentage of assets under advisory (AUA), do not apply tiered pricing, and do not levy additional charges for individual services.

We do not accept, directly or indirectly, any commission, brokerage, referral fee, or any compensation from mutual fund houses, insurance companies, brokers, or any third-party product manufacturers. All fees are fully disclosed in writing and agreed upon before any advisory engagement commences. No advice will be rendered and no fee will be charged without a signed Investment Advisory Agreement. Fees are subject to revision with prior written notice to clients.

All services — financial planning, investment advisory, retirement planning, estate & legacy planning, and annual reviews — are covered under the quarterly fee with no additional per-service charges. Fees are subject to GST at the prevailing rate. Fee amounts are subject to revision from time to time; any revision will be communicated to existing clients in writing at least 30 days in advance. SEBI's fee cap for individual advisers is ₹1,25,000 per client per annum for flat-fee advisory engagements — Fiduciary First Advisory operates within this limit at all times. We do not charge AUA-based fees.

Fiduciary First Advisory is a fee-only adviser and does not hold any distribution licence, AMFI registration, insurance agency, or sub-broker registration. This structure eliminates the primary source of conflicts of interest in the financial advisory industry.

The following actual and potential conflicts are disclosed:

• The principal adviser may hold personal investments in securities or funds that may also be recommended to clients. All such holdings are disclosed in the Investment Advisory Agreement.
• Where the adviser or any associate has a material interest in a transaction being recommended, this will be disclosed to the client in writing before the recommendation is acted upon.
• Fiduciary First Advisory does not have any referral arrangements with brokers, platforms, or distributors that would result in compensation for directing clients to specific service providers.
• Fiduciary First Advisory does not receive soft benefits, research, or other non-monetary compensation from product manufacturers in connection with advice given to clients.

Clients have the right to request a full written disclosure of any actual or potential conflict of interest before proceeding with any specific recommendation.

Investments are subject to market risk. Please read all scheme-related documents carefully before investing.

• Past performance of any security, fund, or investment strategy is not indicative of future results.
• Investment advice is based on the client's risk profile, financial goals, and information provided at the time of engagement. Changes in personal circumstances, market conditions, or regulatory environment may affect the suitability of any recommendation.
• Equity investments are subject to market risk and may result in loss of principal. Fixed income investments are subject to interest rate risk and credit risk.
• International investments carry additional risks including currency risk and geopolitical risk.
• Derivatives and leverage carry significantly higher risk and are not suitable for all investors.
• Fiduciary First Advisory does not guarantee any specific return or protection of capital.
• Clients are advised to exercise independent judgment and, where appropriate, consult other professional advisors including chartered accountants and legal counsel.

1. Clients can seek clarification to their query and are further entitled to make a complaint in writing, orally or telephonically. Clients can write to the Investment Adviser at complaints@fiduciaryfirstadvisory.in | The client can expect a reply within 10 business days of approaching the Investment Advisor.
2. In case you are not satisfied with our response you can lodge your grievance with SEBI on SCORES or you may also write to any of the offices of SEBI.
3. Clients/Investors can also access the portal of smart online dispute resolution here: Click Here

SCORES (SEBI Complaints Redress System) is SEBI's centralised web-based complaints redressal system. Any client or investor can lodge a complaint directly with SEBI against a registered intermediary including Investment Advisers. Complaints lodged on SCORES are forwarded to the concerned intermediary for resolution.

Fiduciary First Advisory is a member of BSE Administration and Supervision Limited (BASL), which has been appointed by SEBI as the accreditation body for Investment Advisers. BASL membership is mandatory for all SEBI Registered Investment Advisers under the revised regulatory framework.

Clients or regulators may request a copy of any compliance audit report by writing to compliance@fiduciaryfirstadvisory.in. Audit certificates for prior years are retained for a minimum of five years as required by regulation.

Fiduciary First Advisory collects and processes personal and financial information from clients solely for the purpose of providing investment advisory services. All client information is treated as strictly confidential and is not shared with third parties except:

• Where required by applicable law, regulation, or court order
• With SEBI, BASL, or other regulatory bodies in the course of examination, inspection, or investigation
• With service providers bound by confidentiality obligations, strictly for operational purposes (e.g., portfolio reporting platforms)

Client records are maintained securely for a minimum period of five years as required under SEBI regulations. Clients have the right to access, correct, or request deletion of their personal data subject to applicable legal requirements. To exercise these rights, contact privacy@fiduciaryfirstadvisory.in.