Encover Personal Finance

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.