FREEDOMWISE

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AFS Attestation

Attestation upgrades a client's Freedom Score from SFS (self-reported) to AFS (audited). It signals to the community that the underlying data has been verified by a registered professional.

Prerequisites

  • You must be an approved advisor on the platform (SEBI RIA or AMFI ARN verified)
  • The client must have accepted your invite and granted data access
  • You must have reviewed the client's portfolio data against their actual documents

What to verify before attesting

The platform doesn't dictate a specific process, but good practice is:

  1. Assets: Compare declared values against latest statements (CDSL/NSDL, passbook, mutual fund statement)
  2. Income: Verify monthly take-home against payslips or ITR
  3. Liabilities: Confirm EMI amounts against loan statements
  4. Expenses: Discuss annual expenses — this is self-reported and can't be verified externally

You are not expected to audit every rupee. You're attesting that the data is materially accurate and you've reviewed it in good faith.

Submitting the attestation

  1. Go to your advisor dashboard → Clients
  2. Click the client's name to enter their portfolio view
  3. Click Attest Freedom Score (visible only to advisors)
  4. Review the pre-filled summary (score, corpus, FIRE stage)
  5. Confirm your SEBI registration number (pre-filled from your profile)
  6. Submit

The attestation is recorded with timestamp and advisor ID. The client's score_kind updates to afs immediately.

What the client sees

The client's badge updates to show the double-border AFS treatment. On their public profile and leaderboard entry, the badge includes your name, registration number, and attestation date.

Revoking attestation

If a client's data changes significantly (major asset disposal, new large liability) and you haven't been able to re-verify, you can revoke the attestation from the same dashboard. The score reverts to SFS. The client is notified.

Liability

Attestation is a professional statement of your review. It is not a guarantee of investment outcomes or financial plan performance. The platform's terms make this clear to clients. Standard SEBI disclosure requirements for client communications apply.