PlannerFees

Encover Personal Finance fees and pricing

Financial planner in Fremont, California. Registered with state securities regulators.

According to its Form ADV Part 2A brochure dated February 17, 2026, Encover Personal Finance charges $300 an hour, a flat or project fee of $2,400⁠-⁠$4,000, and a monthly fee of $250⁠-⁠$350 for financial planning.

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed February 17, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate
$300/hr
“The fee is an hourly rate of $300 per hour billed in 30 minute increments.”
Flat or project fee
$2,400⁠-⁠$4,000
“One-Time Financial Planning One-Time Financial Planning service consists of a fixed fee of $2,400 to $4,000, depending on complexity and the needs of the client.”
Monthly fee
$250⁠-⁠$350/mo
“Ongoing Engagement For the Ongoing Engagement, a monthly fee of $250-$350 per month that is paid in arrears for an initial 12-month period.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Encover Personal Finance bills

Payment and refund terms, quoted from the fee section of the brochure.

  • “The fee may be negotiable in certain cases.”
  • “Remaining fees of the engagement will be billed in three monthly installments.”
  • “Fees for this service may be paid by electronic funds transfer or check.”

How Encover Personal Finance’s fees compare

  • Its hourly rate of $300 matches the California median of $300. 41% of the 932 other California planners that publish an hourly rate charge less.
  • 1 of the 5 other planners in Fremont that publish an hourly rate charge less.
  • Its flat or project fee of $2,400-$4,000 is below the California median of $5,000. 36% of the 796 other California planners that publish a flat or project fee charge less.
  • It doesn't charge a percentage of the assets it manages, so its fee won't grow with your portfolio.

About Encover Personal Finance

“Encover Personal Finance offers a range of fee-only financial advisory services to suit client’s needs, desires and budget.”
From the firm's description of its advisory business in its Form ADV brochure.
  • Solo practice: one person runs the firm, so you work directly with the planner.
  • Credentials named in the brochure: CFP®.
  • Meets clients remotely: the brochure mentions virtual or online meetings.
  • Founded: 2017 (9 years).

Planning areas mentioned in the brochure

  • Retirement planning
  • Tax planning
  • Estate planning
  • College planning
  • Business owners
  • Insurance analysis
  • Cash flow and budgeting

Firm details from Form ADV

How the firm is paid
Hourly fees, fixed or flat fees
Charges a % of assets
No
Minimum
$1,200 minimum fee (stated in brochure)
Employees
1
Services reported to regulators
Financial planning and educational seminars and workshops
Registered with
State securities regulators
Disciplinary disclosures
None reported
SEC CRD number
297367
Website
business.google.com/dashboard/l/00681446670103155673?hl=en (opens in new tab)
Phone
(510) 552-5098

Other planners in Fremont that publish fees

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