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.

The firm charges an asset-based advisory fee calculated as a percentage of client assets under management, typical for an independent RIA. It may also offer standalone financial planning engagements for a fixed or project-based retainer. All fees are disclosed in the firm's Form ADV Part 2A brochure, which is filed publicly with the SEC and delivered to clients at onboarding.

Specific named principals are not publicly documented in readily available filings. Investment management decisions in an ensemble RIA of this scale are typically made by a committee of the firm's partners, led by a chief investment officer or lead advisor. The firm's own website is the authoritative source for current leadership roster and decision-making governance.