Echo Wealth Management, LLC

Echo Wealth Management provides investment management, financial planning, and pension consulting primarily for individual and high-net-worth clients, as well as trusts, foundations and participant-directed retirement plans. The firm offers discretionary and non-discretionary portfolio management, written financial plans with ongoing access to an “Echo Dashboard,” and a held‑away account service for 401(k), 403(b) and 529 plans using the Pontera platform.

Investment decisions are guided by a Modern Portfolio Theory, evidence‑based approach that typically spans 12–18 distinct asset classes and favors low‑cost, factor‑based ETFs (the brochure notes over 70% of managed assets are in factor-based ETFs). Portfolios may incorporate option-based, target‑outcome ETF strategies and structured notes for clients with longer time horizons, and the firm emphasizes periodic review, rebalancing and client education.

Compared with many peers, Echo manages a mid-sized book of roughly $283 million in discretionary assets with a three‑advisor team and discloses the use of derivatives and option strategies within client accounts (including target‑outcome ETFs and structured notes) and the use of third‑party research and rating services (e.g., Morningstar and other corporate rating services) in its materials. The firm also describes use of a third‑party held‑away order management platform (Pontera) to implement asset‑allocation and rebalancing for noncustodial retirement accounts, and its disclosure of external ratings and client feedback in firm materials is relatively uncommon among similar advisers.