Encompass Financial Planning

As a Registered Investment Advisor (RIA) regulated by the SEC or its state securities authority, the firm bears a fiduciary duty to place client interests ahead of its own. This means its compensation structure is fee-only — no commissions, no proprietary products — and every investment recommendation must serve the client's best interest. This obligation is legally enforceable under the Investment Advisers Act of 1940.

The firm's published materials indicate a preference for low-cost index funds, exchange-traded funds (ETFs) and, where appropriate, individual municipal or taxable bonds. It does not market access to private equity, venture capital, or hedge fund limited partnerships. This building-block approach favors broad market exposure, tax control, and expense minimization over the pursuit of concentrated, active-manager alpha.

Encompass Financial Planning's marketing and service descriptions point toward corporate executives, professionals in technology and industrial sectors, and individuals nearing or in retirement. A defined specialty involves advising on concentrated employer stock positions, including restricted stock units, employee stock options, and employee stock purchase plans — navigating rule 10b5-1 trading plans, tax liquidation sequencing, and diversification strategies.