Encore Retirement Planning

Encore Retirement Planning

Established in 2024, Encore Retirement Planning is a registered investment adviser in South Jordan, Utah, a suburb in the Salt Lake Valley that has become one of the fastest-growing wealth management hubs in the Intermountain West. The firm built its ADV filing and operational infrastructure in its first year, positioning as a pure-play advisory practice rather than a hybrid broker-dealer model — a deliberate structural choice visible in its plain-vanilla RIA registration and absence of FINRA broker-check records for an associated BD. The founding team has not publicly disclosed its prior wirehouse or independent affiliation, which is common for breakaway teams that execute launches under restrictive transition protocols. The firm's advisory services span financial planning and discretionary portfolio management for individuals and high-net-worth households. Given its location in a region dominated by corporate relocation beneficiaries, technology expatriates from the Bay Area, and family-run operating businesses tied to Utah's logistics and outdoor recreation economies, the client base likely skews toward concentrated equity positions and liquidity-event planning. Encore Retirement Planning deploys standard fee-based billing — assets-under-management fees for ongoing portfolio mandates and fixed or hourly fees for standalone financial planning engagements — with no disclosed proprietary product shelf. The firm's Form ADV Part 2A confirms it does not sell commissioned insurance or annuity products, keeping it in the pure fiduciary lane. As of mid-2026, the firm remains small and deliberately generalist, without published headcount, assets under management, or named portfolio managers. This opacity is characteristic of newly minted RIAs that have not yet crossed the SEC's $100 million regulatory AUM threshold for Texas/Utah filers — a marker that typically triggers the first public AUM disclosure. The South Jordan office appears to be the sole location, and no adjacent vehicles, foundation structures, or professional network affiliations have been made public. Encore's structural differentiator is a clean-sheet RIA launch at a moment when the independent advisory industry is consolidating rapidly under aggregator platforms and private equity roll-ups. By forgoing tuck-in acquisition economics and remaining unaffiliated with a strategic acquirer like Creative Planning, Mercer Advisors, or Hightower, the firm retains full autonomy over client service models, technology stack, and succession timing — a purist posture that appeals to advisors and clients who view independence as a fiduciary asset.