Regulatory Disclosures

Details of the Investment Adviser

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Grievance redressal and escalation matrix

I aim to resolve every grievance promptly, and in any case within 21 days of receipt. If you are not satisfied, escalate in this order:

1. Principal Officer, Compliance Officer and Grievance Officer: Abubakr Siddique A G | +91 90030 55599 | myplanner@wealthtraits.com
2. SEBI SCORES 2.0: lodge a complaint at https://scores.sebi.gov.in (opens in a new tab) or through the SEBI SCORES app on Google Play or the Apple App Store. Complaints on SCORES first go to BASL as the Investment Adviser Administration and Supervisory Body (IAASB) and are then reviewed by SEBI.
3. Online Dispute Resolution: if the complaint is still unresolved, start conciliation or arbitration on the Smart ODR portal at https://smartodr.in (opens in a new tab), under SEBI circular SEBI/HO/OIAE/OIAE_IAD-1/P/CIR/2023/131 dated 31 July 2023, as amended.

Physical complaints to SEBI

To file a complaint on SCORES, keep ready: your name, PAN, address, mobile number and email ID.

See my monthly complaints data on the Investor Complaints & Audit page and your rights in the Investor Charter.

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Standard Disclaimer

• Investments in securities market are subject to market risks. Read all the related documents carefully before investing.
• Registration granted by SEBI, enlistment as IA with BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
• Investment advice, only related to securities, shall fall under the purview of SEBI.
• Past performance is not indicative of future returns. Any example, illustration or model portfolio on this website is for education only and is not a recommendation.
• Content on this website is not investment advice.

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Standard Disclosures

• I do not offer assured or guaranteed returns, and I do not accept or handle client funds or securities for investment.
• As part of conflict-of-interest management, neither I nor my family members distribute financial products.
• Wherever available, I advise only direct (non-commission) plans.
• I receive no commission, referral fee or other consideration from any product manufacturer or third party.
• Investment advice is given only after risk profiling and suitability assessment, under a signed advisory agreement.
• I provide financial planning, investment advisory, portfolio review, retirement planning and insurance planning to individuals. Every engagement begins with a signed advisory agreement, Know Your Customer (KYC) and risk profiling.
• Advice is communicated in writing by email.
• I do not execute trades on your behalf, and no trade is placed without your specific consent.
• Please share complete and accurate financial information (income, investments, liabilities) so that my advice is suitable for you.
• Your risk profile is assessed before any advice, reviewed periodically, and shared with you.
• Please keep your email address and mobile number updated with me.
• I will never ask for your trading, demat or bank login details, passwords or OTPs; never share them with anyone.
• Fees are collected only from the client, by bank transfer or UPI, and never in cash. The full fee terms, including refunds on early termination, are in the client agreement.

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Products and services outside SEBI's purview

I may also advise on insurance, debt planning, tax planning and estate planning. These products and services are not regulated by SEBI. SEBI's investor protection and grievance redressal mechanisms, including SCORES and Smart ODR, do not apply to them.

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Fee disclosure

• Fee modes: I charge either a fixed fee or a fee based on assets under advice (AUA), as agreed in your advisory agreement.
• My fees: up to ₹50 lakh in financial assets, a fixed fee; above ₹50 lakh, 0.75%, 0.60% or 0.50% a year depending on the slab, subject to minimums. See the full schedule on the How I Work & Fees page.
• SEBI fee limits: for individual and HUF clients, the maximum fee is ₹1,51,000 per family per year in fixed-fee mode, or 2.5% of AUA per family per year in AUA mode. These limits apply only to advice on securities regulated by SEBI and do not include statutory charges such as GST.
• Family as one client: one fee covers you, your spouse and dependent family members. Independent family members may opt for separate engagements, if preferred.
• Changing fee mode: only with your written consent.
• Advance fees: payable quarterly in advance, within the advance period permitted by SEBI.
• Ending the engagement early: you can end the engagement at any time. I may retain a breakage fee of not more than one quarter's fee and refund the balance of any advance fee.
• Payment: by bank transfer or UPI only, never in cash. An invoice is issued for every payment, with GST as applicable.

• Advice outside SEBI's purview: detailed estate planning and tax planning are charged separately, as agreed in writing.

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Most Important Terms and Conditions (MITC)

The Most Important Terms and Conditions of my advisory service form part of every advisory agreement.

Download the MITC (PDF, 538 KB)

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