Encompass Financial Planning

Encompass Financial Planning is an independent registered investment adviser serving individuals—primarily mid-career professionals—along with trusts, small businesses, and employer retirement plans. The firm provides comprehensive and select financial planning, discretionary investment management, retirement plan advisory services, and a standalone Social Security analysis; it reports roughly $29.8 million in discretionary assets under management and about $12.4 million in assets under advisement across approximately 74 client relationships.

Investment advice focuses on individualized portfolio planning and long-term asset allocation using mutual funds, equities, and exchange-traded funds, with the firm applying modern portfolio theory as well as fundamental and technical analysis. Investment management is typically delivered on a discretionary, percentage-of-assets basis, while financial planning engagements can be delivered on a fixed-fee or hourly basis and retirement-plan work includes participant education and plan design support.

A distinctive aspect is that the firm and its principal are licensed insurance agents and recommend insurance products (life, health, disability), an activity that represents about 20% of the principal’s time and can generate commissions—an explicitly disclosed conflict of interest. The principal also holds a Registered Social Security Analyst designation and the firm recently added a fixed-fee Social Security Analysis offering, and the relatively large assets-under-advisement figure underscores that the firm provides advice for a meaningful amount of held-away retirement assets.