StringFP Financial Partners is a SEBI-registered Investment Adviser (RIA). In the interest of full transparency, this page discloses all forms of compensation we receive in connection with the products and services we recommend to clients.

1. Fee-Only Advisory

For Portfolio Advisory and Wealth Planning services, StringFP operates on a fee-only basis. This means we are compensated exclusively by the fees you pay us directly. We do not receive any commission, trail fee, or referral payment from any fund house, insurer, or product manufacturer in connection with these services.

2. Mutual Fund Distribution

Where clients invest in mutual funds through StringFP acting in a distributor capacity (ARN holder), we may receive the following from Asset Management Companies (AMCs):

• Upfront Commission: A one-time payment received at the time of investment, typically ranging from 0% to 1% of the invested amount depending on the fund category.
• Trail Commission: An ongoing annual commission paid by the AMC as a percentage of the Assets Under Management (AUM), typically ranging from 0.10% to 1.00% per annum depending on the scheme.

All mutual fund commissions are paid by the AMC out of the Total Expense Ratio (TER) of the scheme and are not an additional charge to the investor. Clients who prefer zero-commission investing may opt for Direct Plans, which carry a lower expense ratio. We will recommend and facilitate Direct Plans upon request.

3. Insurance Distribution

For insurance products placed through StringFP, we act as a licensed distributor and receive commission from the insurer. Commission rates vary by product type and insurer, and are regulated by the Insurance Regulatory and Development Authority of India (IRDAI). Indicative ranges are:

• Term Life Insurance: 10% to 35% of the first-year premium; 5% to 7.50% on renewal premiums
• Health Insurance: 5% to 15% of the annual premium
• General Insurance: Up to 15% of the annual premium

The exact commission applicable to any specific product will be disclosed to you in writing before you proceed with the purchase.

4. Referral Arrangements

StringFP does not currently maintain any paid referral arrangements with third-party service providers. Should this change, all such arrangements will be disclosed to affected clients in advance.

5. Conflict of Interest Management

Where a potential conflict of interest exists between our compensation and your best interests, StringFP will:

• Disclose the conflict to you in writing before providing the relevant advice or service
• Offer you the option to choose a zero-commission alternative where one exists
• Ensure that our recommendation is made on the basis of suitability to your goals and risk profile, not on the basis of commission earned

6. Regulatory Framework

StringFP Financial Partners operates under the following registrations and is subject to the associated conduct obligations:

• SEBI Investment Adviser — Registration No. INA000XXXXXX
• AMFI Registered Mutual Fund Distributor — ARN-XXXXXX
• IRDAI Licensed Corporate Agent — License No. CAXXXXXX

Clients have the right to request a full, itemised disclosure of any compensation received in connection with their account at any time by writing to advisory@stringfp.com.

7. Updates to This Disclosure

This disclosure is reviewed annually and updated whenever there is a material change to our compensation arrangements. The effective date of the current version is noted below.

Effective Date: 1 April 2025