{"id":225533,"date":"2026-09-01T11:58:58","date_gmt":"2026-09-01T06:28:58","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=225533"},"modified":"2026-09-01T11:59:00","modified_gmt":"2026-09-01T06:29:00","slug":"investment-advisor-conflict-of-interest-disclosure","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/investment-advisor-conflict-of-interest-disclosure\/","title":{"rendered":"What Conflicts of Interest Must an Investment Advisor Disclose to Clients?"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<div style=\"background: #EAF2FB; border-radius: 8px; padding: 16px 20px; margin: 16px 0;\">\n<p style=\"margin: 0; color: #1f4e79; font-size: 14.5px; line-height: 1.6;\">SEBI requires investment advisors to disclose any conflict of interest that could reasonably affect the objectivity of advice given to a client. This includes financial interests in recommended securities, relationships with product issuers, group entity distribution activities and any compensation arrangements beyond the disclosed client fee. Disclosure must be proactive and specific, not buried in generic boilerplate language.<\/p>\n<\/div>\n<div style=\"background: #F0F9FF; border-left: 4px solid #2E7D32; border-radius: 6px; padding: 14px 18px; margin: 18px 0;\">\n<p style=\"margin: 0; color: #1f4e79; font-size: 14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin: 8px 0 0;\">Investment advisor conflict of interest disclosure is the mechanism by which SEBI ensures clients know about any relationship or financial interest that could bias the advice they receive. A conflict of interest does not automatically disqualify an advisor from giving advice \u2014 but it must be disclosed so the client can factor it into how much weight they give the recommendation. Undisclosed conflicts undermine the trust that the entire advisory relationship depends on.<\/p>\n<\/div>\n<p>The investment advisor conflict of interest disclosure obligation covers a wide range of scenarios: an advisor&#8217;s personal holding in a recommended stock, a group entity&#8217;s distribution relationship with a fund house, or compensation arrangements tied to specific product placement. Investors evaluating any advisory relationship \u2014 or research service like Univest (SEBI RA Reg. No. INH000013776) \u2014 should understand what conflicts must be disclosed and ask specifically if they are not addressed upfront.<\/p>\n<p>This guide explains what investment advisor conflict of interest disclosure requirements cover and how investors can identify gaps.<\/p>\n<p><em>Log in to <a href=\"https:\/\/univest.in\/user\/log-in\">Univest<\/a> to explore SEBI-registered research and stay informed on regulatory updates that affect your investments.<\/em><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/investment-advisor-conflict-of-interest-disclosure\/#Types_of_Conflicts_That_Must_Be_Disclosed\" title=\"Types of Conflicts That Must Be Disclosed\">Types of Conflicts That Must Be Disclosed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/investment-advisor-conflict-of-interest-disclosure\/#How_and_When_Disclosure_Should_Happen\" title=\"How and When Disclosure Should Happen\">How and When Disclosure Should Happen<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/investment-advisor-conflict-of-interest-disclosure\/#Signs_of_Inadequate_Conflict_Disclosure\" title=\"Signs of Inadequate Conflict Disclosure\">Signs of Inadequate Conflict Disclosure<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/investment-advisor-conflict-of-interest-disclosure\/#What_Investors_Should_Ask\" title=\"What Investors Should Ask\">What Investors Should Ask<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/investment-advisor-conflict-of-interest-disclosure\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/investment-advisor-conflict-of-interest-disclosure\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/investment-advisor-conflict-of-interest-disclosure\/#What_conflicts_of_interest_must_an_investment_advisor_disclose\" title=\"What conflicts of interest must an investment advisor disclose?\">What conflicts of interest must an investment advisor disclose?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/investment-advisor-conflict-of-interest-disclosure\/#When_should_an_advisor_disclose_a_conflict_of_interest\" title=\"When should an advisor disclose a conflict of interest?\">When should an advisor disclose a conflict of interest?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/investment-advisor-conflict-of-interest-disclosure\/#What_does_inadequate_conflict_of_interest_disclosure_look_like\" title=\"What does inadequate conflict of interest disclosure look like?\">What does inadequate conflict of interest disclosure look like?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/investment-advisor-conflict-of-interest-disclosure\/#Does_having_a_conflict_of_interest_disqualify_an_advisor_from_recommending_a_stock\" title=\"Does having a conflict of interest disqualify an advisor from recommending a stock?\">Does having a conflict of interest disqualify an advisor from recommending a stock?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/investment-advisor-conflict-of-interest-disclosure\/#What_should_I_ask_my_investment_advisor_about_potential_conflicts\" title=\"What should I ask my investment advisor about potential conflicts?\">What should I ask my investment advisor about potential conflicts?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/investment-advisor-conflict-of-interest-disclosure\/#How_does_Univest_disclose_conflicts_of_interest_in_its_research\" title=\"How does Univest disclose conflicts of interest in its research?\">How does Univest disclose conflicts of interest in its research?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Types_of_Conflicts_That_Must_Be_Disclosed\"><\/span><strong>Types of Conflicts That Must Be Disclosed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Investment advisor conflict of interest disclosure covers several categories. Personal holdings: if the advisor or their immediate family holds a position in a security being recommended to clients, this must be disclosed, since it creates an incentive that may not align with the client&#8217;s interest. Group entity relationships: if the IA&#8217;s corporate group also operates a distribution business, mutual fund AMC or other financial entity with a commercial interest in specific products, this relationship must be disclosed. Compensation arrangements: any compensation the advisor receives beyond the disclosed client fee, including from third parties, must be disclosed.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_and_When_Disclosure_Should_Happen\"><\/span><strong>How and When Disclosure Should Happen<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Investment advisor conflict of interest disclosure should be proactive \u2014 provided to the client before or at the point advice is given, not buried in a lengthy client agreement that the client is unlikely to read in full. Best practice is disclosure at two points: general conflicts disclosed during onboarding (in the MITC or investor charter) and specific conflicts disclosed at the point a particular recommendation is affected by that conflict (for example, disclosing a personal holding when recommending that specific stock).<\/p>\n<table>\n<thead>\n<tr>\n<th>Conflict Type<\/th>\n<th>Example<\/th>\n<th>When Disclosed<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Personal holding<\/td>\n<td>Advisor owns the recommended stock<\/td>\n<td>At the point of that specific recommendation<\/td>\n<\/tr>\n<tr>\n<td>Group entity relationship<\/td>\n<td>Group company distributes a recommended fund<\/td>\n<td>Onboarding + specific recommendation<\/td>\n<\/tr>\n<tr>\n<td>Third-party compensation<\/td>\n<td>Payment from an issuer for coverage<\/td>\n<td>Onboarding and ongoing as relevant<\/td>\n<\/tr>\n<tr>\n<td>Related-party transactions<\/td>\n<td>Advice benefiting an affiliated entity<\/td>\n<td>At the point of the affected recommendation<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Signs_of_Inadequate_Conflict_Disclosure\"><\/span><strong>Signs of Inadequate Conflict Disclosure<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Investment advisor conflict of interest disclosure that is inadequate includes: generic boilerplate language stating &#8220;conflicts of interest may exist&#8221; without specifying what they actually are, disclosure documents that clients receive but are not walked through or explained, and repeated recommendations toward a narrow set of products without any disclosed rationale for that concentration. If a pattern of recommendations consistently favours products connected to the advisor&#8217;s group entities without disclosure, this is a signal to ask direct questions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Investors_Should_Ask\"><\/span><strong>What Investors Should Ask<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Understanding investment advisor conflict of interest disclosure matters for both investors and advisory businesses. Investors should ask their advisor directly: do you or your firm hold any financial interest in the securities you are recommending to me? Does your firm have any distribution or commercial relationship with the product issuers you recommend? Are you compensated in any way beyond the fee I am paying you? A registered IA should answer these questions clearly as part of the investment advisor conflict of interest disclosure obligation. This is a different question from what applies to general research platforms like Univest (SEBI RA Reg. No. INH000013776), which disclose analyst holdings and conflicts per SEBI&#8217;s Research Analyst regulations in each research report.<\/p>\n<p>Univest is a SEBI-registered research platform (SEBI RA Reg. No. INH000013776) operating under NSDL depository infrastructure. Investors who want SEBI-registered research alongside their advisory journey can explore Univest&#8217;s research tools, stock screener and market analysis available on the official Univest app.<\/p>\n<p><em>Review Analyst Disclosure Standards on Univest&#8217;s Research Reports Before Acting on Recommendations: use the <a href=\"https:\/\/univest.in\/screeners\">Univest Stock Screener<\/a> to research stocks with SEBI-registered data.<\/em><\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to check research disclosure standards on Univest before acting on any stock recommendation.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Investment advisor conflict of interest disclosure covers personal holdings in recommended securities, group entity distribution relationships and third-party compensation arrangements beyond the client fee. Disclosure should be proactive, specific and provided both at onboarding and at the point a particular recommendation is affected. Generic boilerplate disclosure language without specifics is inadequate. Investors should ask advisors directly about financial interests and group relationships. Research platforms like Univest (SEBI RA Reg. No. INH000013776) disclose analyst holdings per SEBI&#8217;s Research Analyst regulations in each report. The investment advisor conflict of interest disclosure principles discussed here help investors make informed decisions. The investment advisor conflict of interest disclosure principles discussed here help investors make informed decisions. The investment advisor conflict of interest disclosure principles discussed here help investors make informed decisions. The investment advisor conflict of interest disclosure principles discussed here help investors make informed decisions. The investment advisor conflict of interest disclosure principles discussed here help investors make informed decisions. The investment advisor conflict of interest disclosure principles discussed here help investors make informed decisions. The investment advisor conflict of interest disclosure principles discussed here help investors make informed decisions.<\/p>\n<div style=\"background: #FFF5F5; border-left: 4px solid #CC0000; border-radius: 6px; padding: 14px 18px; margin: 20px 0;\">\n<p style=\"margin: 0; color: #7a0000; font-size: 13.5px;\">Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with official sources before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_conflicts_of_interest_must_an_investment_advisor_disclose\"><\/span>What conflicts of interest must an investment advisor disclose?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Investment advisor conflict of interest disclosure covers personal holdings in recommended securities by the advisor or immediate family, group entity relationships with product distributors or issuers and any compensation received beyond the disclosed client fee, including from third parties connected to recommended products.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"When_should_an_advisor_disclose_a_conflict_of_interest\"><\/span>When should an advisor disclose a conflict of interest?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Investment advisor conflict of interest disclosure is central here. Disclosure should happen at two points: general conflicts disclosed during onboarding in the MITC or investor charter, and specific conflicts disclosed at the point a particular recommendation is affected by that conflict, such as disclosing a personal holding when recommending that specific stock.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_does_inadequate_conflict_of_interest_disclosure_look_like\"><\/span>What does inadequate conflict of interest disclosure look like?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Investment advisor conflict of interest disclosure is central here. Inadequate disclosure includes generic boilerplate language stating conflicts may exist without specifying what they are, disclosure documents provided but never explained to the client, and repeated recommendations favouring a narrow set of products without any disclosed rationale for the concentration.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_having_a_conflict_of_interest_disqualify_an_advisor_from_recommending_a_stock\"><\/span>Does having a conflict of interest disqualify an advisor from recommending a stock?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Investment advisor conflict of interest disclosure is central here. Not automatically. A disclosed conflict of interest does not prevent an advisor from making a recommendation, but the disclosure allows the client to factor the conflict into how much weight they give the advice. An undisclosed conflict, by contrast, denies the client this ability to evaluate the advice appropriately.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_should_I_ask_my_investment_advisor_about_potential_conflicts\"><\/span>What should I ask my investment advisor about potential conflicts?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Investment advisor conflict of interest disclosure is central here. Ask directly: do you or your firm hold a financial interest in the securities you recommend to me? Does your firm have distribution or commercial relationships with the issuers of products you recommend? Are you compensated in any way beyond the fee I pay you? A compliant IA should answer these specifically.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_does_Univest_disclose_conflicts_of_interest_in_its_research\"><\/span>How does Univest disclose conflicts of interest in its research?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Investment advisor conflict of interest disclosure is central here. Univest, registered as a SEBI Research Analyst (SEBI RA Reg. No. INH000013776), discloses analyst holdings and relevant conflicts of interest as required under SEBI&#8217;s Research Analyst regulations within each research report, distinct from the personalised conflict disclosure obligations that apply specifically to Investment Advisors.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Investment advisor conflict of interest disclosure rules: what relationships and financial interests IAs must disclose to clients and how to identify undisclosed conflicts.<\/p>\n","protected":false},"author":35,"featured_media":225532,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1002],"tags":[3802],"class_list":["post-225533","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advisory","tag-news"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["225532"],"_edit_lock":["1788244145:29"],"_last_editor_used_jetpack":["block-editor"],"rank_math_primary_category":["1002"],"rank_math_seo_score":["75"],"rank_math_title":["Investment Advisor Conflict of Interest Disclosure: What SEBI Requires Advisors to Reveal 2026"],"rank_math_description":["Investment advisor conflict of interest disclosure rules: what relationships and financial interests IAs must disclose to clients and how to identify undisclosed conflicts."],"rank_math_focus_keyword":["investment advisor conflict of interest disclosure"],"rank_math_robots":["a:2:{i:0;s:8:\"nofollow\";i:1;s:7:\"noindex\";}"],"_edit_last":["29"],"_ez-toc-disabled":[""],"_ez-toc-insert":[""],"_ez-toc-header-label":[""],"_ez-toc-alignment":["none"],"_ez-toc-heading-levels":["a:0:{}"],"_ez-toc-alttext":[""],"_ez-toc-visibility_hide_by_default":[""],"_ez-toc-hide_counter":[""],"_ez-toc-exclude":[""],"_ez-toc-position-specific":["before"],"stm_select_gm_zoom":[""],"stm_agenda":[""],"stm_host":[""],"stm_select_approved_denied":[""],"stm_multiselect_approved":[""],"stm_multiselect_denied":[""],"stm_date":[""],"stm_time":[""],"stm_timezone":[""],"stm_duration":[""],"stm_password":[""],"stm_waiting_room":[""],"stm_join_before_host":[""],"stm_host_join_start":[""],"stm_start_after_participants":[""],"stm_mute_participants":[""],"stm_enforce_login":[""],"stm_alternative_hosts":[""],"top_bar_custom_style":[""],"top_bar_bg":[""],"wc_top_bar_cart_custom_style":[""],"wc_top_bar_cart_color":[""],"wc_top_bar_cart_icon_color_hover":[""],"wc_top_bar_cart_counter_color":[""],"wc_top_bar_cart_counter_color_hover":[""],"wc_top_bar_cart_counter_bg":[""],"wc_top_bar_cart_counter_bg_hover":[""],"top_bar_wpml_switcher_custom_style":[""],"wpml_switcher_color":[""],"top_bar_wpml_switcher_bg":[""],"top_bar_wpml_switcher_bg_hover":[""],"top_bar_wpml_switcher_color_hover":[""],"top_bar_socials_custom_style":[""],"top_bar_socials_color":[""],"top_bar_socials_color_hover":[""],"top_bar_search_custom_style":[""],"top_bar_search_color":[""],"top_bar_search_icon_color_hover":[""],"top_bar_contact_info_style":[""],"top_bar_contact_info_color":[""],"top_bar_contact_info_link_color":[""],"top_bar_contact_info_link_color_hover":[""],"top_bar_contact_info_select_bg":[""],"top_bar_contact_info_select_color":[""],"top_bar_contact_info_select_drop_bg":[""],"top_bar_contact_info_select_items_bg":[""],"top_bar_contact_info_select_items_color":[""],"top_bar_contact_info_select_items_hover":[""],"header_inverse":["default"],"enable_header_transparent":["off"],"header_nav_custom_style":[""],"header_bg":[""],"header_shadow":[""],"wc_cart_custom_style":[""],"wc_cart_icon_color":[""],"wc_cart_icon_color_hover":[""],"wc_cart_counter_color":[""],"wc_cart_counter_color_hover":[""],"wc_cart_counter_bg":[""],"wc_cart_counter_bg_hover":[""],"header_wpml_switcher_custom_style":[""],"header_wpml_switcher_color":[""],"header_wpml_switcher_color_hover":[""],"header_wpml_switcher_bg":[""],"header_wpml_switcher_bg_hover":[""],"header_socials_custom_style":[""],"header_socials_color":[""],"header_socials_color_hover":[""],"header_search_custom_style":[""],"header_search_icon_color":[""],"header_search_icon_color_hover":[""],"header_contact_info_style":[""],"header_contact_info_color":[""],"header_contact_info_link_color":[""],"header_contact_info_link_color_hover":[""],"header_button_custom_style":[""],"header_button_color":[""],"header_button_color_hover":[""],"header_button_bg":[""],"header_button_bg_hover":[""],"header_nav_menu_customize":[""],"header_nav_menu_link_color":[""],"header_nav_menu_link_color_hover":[""],"header_nav_menu_link_color_active":[""],"header_nav_menu_link_arrow_color":[""],"header_nav_menu_link_arrow_color_hover":[""],"header_nav_menu_level_1_bg":[""],"header_nav_menu_level_1_link_color":[""],"header_nav_menu_level_1_link_color_hover":[""],"header_nav_menu_level_1_link_bg_hover":[""],"header_nav_menu_level_1_link_arrow_color":[""],"header_nav_menu_level_1_link_arrow_color_hover":[""],"header_nav_menu_level_2_bg":[""],"header_nav_menu_level_2_link_color":[""],"header_nav_menu_level_2_link_color_hover":[""],"header_nav_menu_level_2_link_bg_hover":[""],"header_mega_menu_bg":[""],"header_mega_menu_title_color":[""],"header_mega_menu_title_color_hover":[""],"header_mega_menu_description_color":[""],"header_mega_menu_description_link_color":[""],"header_mega_menu_description_link_color_hover":[""],"header_mega_menu_color":[""],"header_mega_menu_color_hover":[""],"header_mega_menu_border_color":[""],"header_mega_menu_icons_color":[""],"header_nav_menu_customize_end":[""],"hfe_enabled_notice":[""],"disable_title_box":["default"],"hfe_disabled":[""],"enable_transparent":["default"],"title_box_title_bg_color":[""],"title_box_bg_custom_image":["default"],"title_box_bg_image":[""],"title_box_bg_position":["default"],"metabox_title_box_bg_position_x":[""],"metabox_title_box_bg_position_y":[""],"metabox_title_box_bg_attachment":["default"],"title_box_bg_size":["default"],"metabox_title_box_bg_size_slider":[""],"title_box_bg_repeat":["default"],"disable_title":["default"],"title_box_title_color":[""],"title_box_title_line_color":[""],"disable_breadcrumbs":["default"],"metabox_title_box_breadcrumbs_color":[""],"metabox_title_box_links_color":[""],"metabox_title_box_links_color_hover":[""],"content_bg_transparent":[""],"show_popup_single":[""],"popups_single":[""],"popups_single_event":[""],"popup_single_event_open_delay":[""],"popup_single_event_showing_in":[""],"popup_single_event_date_from":[""],"popup_single_event_date_to":[""],"popup_single_event_time_from":[""],"popup_single_event_time_to":[""],"popup_single_animation":[""],"popup_single_responsive":[""],"separator_footer_copyright_border_t":[""],"name":[""],"email":[""],"phone":[""],"company":[""],"memberId":[""],"testimonial_position":[""],"testimonial_company":[""],"testimonial_bg_img":[""],"testimonial_video_url":[""],"popups_width":[""],"popups_height":[""],"popups_image_bg":[""],"popups_color_bg":[""],"popups_border_radius":[""],"popups_template":[""],"rank_math_analytic_object_id":["40645"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/investment-advisor-conflict-of-interest-disclosure.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/225533","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=225533"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/225533\/revisions"}],"predecessor-version":[{"id":225558,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/225533\/revisions\/225558"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/225532"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=225533"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=225533"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=225533"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}