Echo Wealth Management, LLC (hereinafter “EWM” or “firm” or “we”) is an SEC- registered investment adviser with its principal place of business located in Minnesota. EWM is owned by Fang Echo Huang and has been providing comprehensive wealth management services since March 2015. EWM provides wealth management services including investment management services to individuals, high net worth individuals, trusts and foundations. As a registered investment adviser, EWM is held to the highest standard of client care – a fiduciary standard. As a fiduciary, EWM always puts clients’ interest first and must fully disclose any potential conflict of interest. We offer the following advisory services to our clients: INVESTMENT MANAGEMENT SERVICES Clients can engage EWM to manage all or a portion of their assets on a discretionary basis. We tailor investment management services to the individual needs of clients. We consult with clients initially and on an ongoing basis to determine the client’s individual objectives, risk tolerance, time horizon, and liquidity needs. Clients are advised to promptly notify EWM if there are changes in their financial situation or investment objectives or if they wish to impose any reasonable restrictions upon EWM’s management services. Clients may impose reasonable restrictions or mandates on the management of their accounts (e.g. holding onto a certain stock longer or maintaining higher cash balance than usual) if, in EWM’s sole discretion, the conditions will not materially impact the performance of a portfolio strategy or prove overly burdensome to its management efforts. Our investment recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company and will generally include advice regarding the following securities: no-load mutual funds, exchange traded funds, individual fixed income securities, individual equity securities and/or option as well as the securities components of no-load variable annuities and variable life insurance contracts in accordance with the investment objectives of the client. Additional Service for Held Away Accounts We offer an additional investment management service for “Held Away accounts,” such as 401(k), 403(b), and 529 plan accounts. These accounts are not opened at Charles Schwab. We use a third-party platform, Pontera (formerly FeeX), to leverage an Order Management System to implement asset allocation and opportunistic rebalancing strategies on behalf of clients. We regularly review the available investment options in these accounts, monitor them, and rebalance and implement our strategies in the same way we do other accounts, though using different tools as necessary. A link will be provided to Clients allowing them to connect account(s) to the platform. Once a client’s account is connected to the platform, we will review the current account allocations. When deemed necessary, we will rebalance the account considering the Client’s investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance. Client account(s) will be reviewed at least quarterly and allocation changes will be made as deemed necessary. Pontera’s platform allows us to avoid having custody of Clients’ funds since we do not have direct access to Client log-in credentials. We are not affiliated with Pontera and receive no compensation from Pontera for using their platform. Pontera charges EWM an annual fee of 0.25% of the assets on their platform. PENSION CONSULTING SERVICES EWM also provide advisory services to participant-directed retirement plans through third-party administration services, which are online bundled service providers offering an opportunity for plan sponsors to provide their participants with daily account access, valuation and investment education. EWM will analyze the plan’s current investment platform and assist the plan in creating an investment policy statement defining the types of investments to be offered and the restrictions that may be imposed. We will recommend investment options to achieve the plan’s objectives, provide participant education meetings, and monitor the performance of the plan’s investment vehicles. EWM will recommend changes in the plan’s investment vehicles as may

be appropriate from time to time. We generally will review the plan’s investment vehicles and investment policy as necessary. We will continue to work with plans to monitor plan investments, provide fiduciary plan advice including regular considerations of the goals and objectives of the plan, and provide participant education services to the plan. FINANCIAL PLANNING SERVICES We provide financial planning services. Financial planning is a comprehensive evaluation of a client’s current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans. Through the financial planning process, all questions, information and analysis are considered as they impact and are impacted by the entire financial and life situation of the client. Clients purchasing this service receive a written report which provides the client with a detailed financial plan designed to assist the client achieve his or her financial goals and objectives. In addition, each client is given access to their personal financial homepage (called Echo Dashboard) that consolidates all account data every night in one secure location, accessible whenever desired from anywhere internet is available. Clients can see updated financial projections such as cash flow and balance sheet year by year any time, on their own time. In general, the financial plan can address any or all of the following areas:
• Cash Flow/Budget Planning: We analyze the client’s spending and help them plan for current and future years to increase savings for various goals.
• Investment Planning: We analyze the ownership and maintenance of any assets reflected on an individual’s balance sheet as well as the appropriate investment management for the individual’s portfolio of assets. This includes individual savings, managed investment accounts, qualified retirement plans, business ownerships, home ownership, stock options, and non-traditional assets.
• Asset Protection: This area covers wealth management strategies that intend to preserve an individual’s wealth and protect it from potential risks. This consists primarily of various types of insurance: Life insurance, health insurance, disability insurance, long-term care insurance, property and casualty insurance.
• Retirement Planning: We analyze current strategies and investment plans to help the client achieve his or her retirement goals including retirement cash flow planning.
• Tax Planning: We mainly focus on creating strategies to help clients save income taxes based on their projected income in current and future years. We coordinate with your tax accountants to implement the tax strategies.
• Estate Planning: We assist the client in strategic planning for asset transfer at death as well as the tracking of any documents that may be relevant to an individual’s estate. It also involves charitable planning and gifting strategies. This includes beneficiary designations, legal documents such as trusts and wills, and the assignment of legal representatives. We coordinate with estate attorneys to serve clients.
• Employer Benefit Planning: We analyze your employer’s benefits including 401(k) plan, medical insurance, equity compensation (stock options, restricted stock awards), pension, and/or Deferred Compensation Plan to help you maximize the benefits. This may involve assistance in helping corporate executives in setting up 10b(5)-1 predetermined trading plan and stock option exercise strategies.
• Education Planning: We help clients establish education funding goals and analyze the funding methods including using 529 plans and other accounts.
• Business Planning: Once an entrepreneur’s new business venture is up and running, a well-structured financial plan should be put in place to meet business and personal goals by incorporating cash flow, tax planning, compensation and benefits, risk management and exit strategy. Typically the financial plan is presented to the client within six months of the contract date, provided that all information needed to prepare the financial plan has been promptly provided. Financial Planning recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company. All recommendations are of a generic nature. ASSETS UNDER MANAGEMENT As of December 31, 2023, EWM was managing $185,408,710 of client assets on a discretionary basis and $4,551,518 of client assets on a non-discretionary basis.