Nathan Allred is a Series 65-licensed financial advisor with four years of industry experience. He currently works at Encompass More Asset Management LLC and previously held roles at Bristlecone Wealth, Crypto Consulting LLC, Proform Trading (Apiary Fund), and NMA Investments. In addition to his advisory work, he teaches a securities trading course for Trader On The Street, LLC. Encompass More Asset Management LLC provides discretionary portfolio management, financial planning, and retirement-platform model services primarily for individual and high-net-worth clients. The firm employs a model-based approach utilizing proprietary and third-party sub-advisers, with investment options spanning equities, fixed income, mutual funds, ETFs, private placements, and digital-asset related exposures.

Todd Cloward is an investment advisor with Encompass More Asset Management LLC, holding Series 63 and Series 65 credentials and having 27 years of industry experience. He previously worked at Transamerica Financial Advisors, Inc. for over a decade before joining Encompass More in 2023. Outside of investment advisory, he owns and operates an insurance benefits agency focused on fixed insurance products for employee groups. Encompass More Asset Management LLC provides discretionary portfolio management and financial planning services primarily to individual and high-net-worth clients. The firm employs model-based strategies that integrate proprietary and third-party sub-advisers, offering a range of investment options including equities, fixed income, mutual funds, ETFs, private placements, and digital-asset exposures.