Encover Personal Finance
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$0
Total clients
60
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
60
Average account size
$0
About
Encover Personal Finance provides fee-only financial planning and consultation to individuals, families, and high-net-worth clients. Services include comprehensive one-time plans, an ongoing monthly subscription service, hourly engagements, and advice on topics such as retirement, tax and estate planning, employee benefits, business planning, and special needs planning.
The firm does not offer discretionary portfolio management or accept custody of client assets; instead it provides investment consultations that emphasize passive asset allocation built from index mutual funds and ETFs and uses fundamental analysis when evaluating individual securities. Recommendations are implemented by clients through their chosen custodians, with an emphasis on low-cost and tax-efficient solutions.
Noteworthy features include no-cost educational webinars offered to the public, which the brochure describes as purely educational rather than sales-oriented, and a fee structure based on fixed, subscription, and hourly fees rather than percentage-of-assets–a fee model the firm highlights alongside its fee-only stance and lack of third‑party compensation. Ongoing engagements are monitored regularly (typically quarterly) and the firm highlights targeted services such as employee benefits optimization and special needs planning as part of its regular planning work.
Client services
Financial planning
Educational seminars or workshops
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Fee options
One-Time Financial Planning fee ranges $2,400 to $4,000 depending on complexity
$300 per hour billed in 30 minute increments with $1,200 minimum fee
Ongoing Engagement monthly fee ranges between $250 and $350 per month
Minimum fee: Minimum fee of $1,200 for 4-hour minimum engagement on hourly planning Fee-only: One-Time Financial Planning fixed fee $2,400 to $4,000; Ongoing Engagement monthly fee $250 to $350
Main office location
Encover Personal Finance
Fremont CA, United States
Number of offices
1
Most active in
Encover Personal Finance has reported serving >5 clients in these states in the last 12 months.
California · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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