Encompass Financial Planning

Encompass Financial Planning

Encompass Financial Planning is structured as a fee-only, fiduciary financial planning and wealth management firm. Its service model layers investment management atop foundational planning work — covering retirement projections, equity compensation strategy, tax planning, and risk management — a combination designed to serve corporate professionals and retirees with complex balance sheets. The firm's stated investment philosophy leans on modern portfolio theory, typically building portfolios from low-cost index funds and ETFs rather than pursuing individual security selection. The firm's strategy avoids direct private market exposure, concentrating instead on publicly traded securities across equity and fixed income. Asset-class coverage spans domestic large-cap equities, international developed and emerging market stocks, taxable and municipal bonds, and real estate investment trusts. Portfolio construction emphasizes asset location — deliberately placing tax-inefficient assets in qualified accounts — and systematic rebalancing. This approach mirrors the service architecture of other ensemble RIA practices but targets corporate executives in technology and industrials with concentrated employer stock positions. As a regional multi-family office without publicly disclosed AUM, Encompass Financial Planning likely serves fewer than 100 client relationships, a scale typical of ensemble practices operating from one or two physical locations. The firm's website points to an office footprint in the Midwestern United States. Unlike larger single-family offices, there are no known captive philanthropic vehicles or alternative investment arms; the firm functions as a planning-centric RIA that advises on, but does not manage, internal private funds. Structurally, Encompass distinguishes itself through its planning-first, product-second ethos — a posture codified by its fiduciary obligation under the Investment Advisers Act of 1940. The firm does not sell proprietary products, earn sales commissions, or participate in investment banking revenue, aligning its compensation solely with client assets under management or flat planning retainers. This architecture eliminates the product-distribution conflicts that shape bank-owned wealth management divisions.