Enso Financial

Enso Financial PLC is a fee-only, independent adviser that works primarily with individual clients, including high-net-worth households, providing financial planning and discretionary portfolio management. Financial planning is offered on an ongoing or a project basis (project-based/hourly arrangements are used for residents of Washington), and portfolio management is delivered through discretionary asset-allocation strategies overseen by the firm.

The firm generally uses a long-term, passive investment approach built around asset allocation and Modern Portfolio Theory, employing mutual funds, ETFs, stocks, and bonds and periodically rebalancing client portfolios (at least monthly). Enso also accesses third‑party model portfolios via a model marketplace to implement allocation choices and tailors strategies to clients’ stated objectives and reasonable investment restrictions.

Distinctive aspects include the principal’s separate accounting and tax/CFO business that provides tax preparation, planning, and small‑business CFO services—an affiliation the brochure discloses and says is optional for clients to use, with procedures to mitigate conflicts of interest. The firm also conducts educational workshops and seminars on financial topics (a relatively uncommon offering for peers) and, despite having engaged with retirement-plan matters, has disclosed that it no longer offers retirement plan services as of its most recent annual amendment.