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Ecuador Tax Information

12% IVA

IVA is 12%. Electronic invoicing mandatory. RUC required for all businesses.

Financial Advisor Services to Invoice

  • Financial planning
  • Investment advisory
  • Retirement planning
  • Tax planning
  • Estate planning
  • Insurance review
  • Wealth management

Invoice Requirements in Ecuador

RUC number
SRI registration
Client RUC
Electronic invoice
IVA (12%)
Total in USD

Payment Terms

Fee-only: project-based or AUM percentage. Flat retainer for ongoing planning.

Contado15 días30 díasCrédito

Payment Methods in Ecuador

Bank TransferBanco PichinchaProdubancoCredit CardCash

Financial Advisor Invoice Tips

  • Include advisor registration
  • Reference advisory agreement
  • Note AUM if applicable
  • Document planning deliverables
  • Meet compliance requirements

Frequently Asked Questions

What tax rate applies to financial advisor invoices in Ecuador?

Ecuador has 12% IVA. IVA is 12%. Electronic invoicing mandatory. RUC required for all businesses.

What payment methods are common for financial advisors in Ecuador?

Common payment methods in Ecuador include: Bank Transfer, Banco Pichincha, Produbanco, Credit Card, Cash. Fee-only: project-based or AUM percentage. Flat retainer for ongoing planning.

What should financial advisor invoices include in Ecuador?

Your invoice should include: RUC number, SRI registration, Client RUC, Electronic invoice. For financial advisor services specifically, also include: Financial planning, Investment advisory, Retirement planning.

How should financial advisors structure fees?

AUM percentage (0.5-1.5%), flat retainer, hourly, or project-based. Disclose fee structure clearly.

What compliance info should be on invoices?

Advisor registration (CFP, RIA), firm info, and fee disclosure language as required.

What is Ecuador's IVA rate?

Ecuador applies 12% IVA on most goods and services. Basic necessities may be 0%. Exports zero-rated.