What Encompass More does

Encompass More Asset Management LLC is an SEC-registered investment adviser operating a federated network of affiliated financial advisors under a single fiduciary brand. Founded in 2019 and headquartered in Danville, California, the firm employs an 11-50 person core operations team and supports a broader network of 50+ affiliated advisors across sub-practices including Du Charme Wealth Management, Skyline Financial Partners, Harvest Well Financial Partners, TDC Financial, and AJM Financial, spanning roughly 10+ US states. Leadership comprises Founder and Chairman Brock McKinley and President Chris Chatto, supported by directors overseeing Operations, Advisor Services, Business Development, and Compliance.

The firm offers three core product lines: (1) individual retirement planning and wealth management services, (2) employer retirement plan administration for 401(k), 457, and 403(b) plans with an integrated My Financial Wellness Center employee tool, and (3) a financial-advisor platform providing account management, multi-custodial operations, compliance support, and client acquisition tools to affiliated advisors. The underlying technology is an advisor portal built on the Amplify platform (auth.amplifyplatform.com), handling workplace transactions and account servicing across multiple custodial relationships.

Encompass More generates revenue through fee-based recurring investment advisory fees, with explicit fee transparency as a positioning pillar. Its go-to-market combines direct-to-consumer outreach (targeting middle-class Americans, public-sector employees, educators, first responders, and veterans) with a channel-partner model via its affiliated advisor network. The firm's competitive thesis is that institutional-quality retirement planning has historically been inaccessible to non-wealthy Americans, and it differentiates through fiduciary obligation, fee transparency, and a stated mission to serve public servants and underserved middle-income households.

Name

Encompass More

Legal name

Encompass More Asset Management LLC

Website

https://encompassmore.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Encompass More is an SEC-registered investment adviser operating a network of 50+ affiliated financial advisors, delivering fee-based retirement planning, employer plan administration, and an advisor platform primarily to middle-class Americans, educators, first responders, and public-sector employees across the United States.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Advisory Portfolio Management (Non-Discretionary) (FSAAABAD)

Keywords

• Retirement planning services
• Investment advisory firm
• Wealth management advisory
• Employer retirement plans
• Financial advisor platform

Headquarters

HQ city

Oakdale

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Investment Advisory Fees: Encompass More Asset Management LLC is a registered investment adviser that charges fees for financial advisory services. The firm operates on a fee transparency model, clearly disclosing what they charge and what clients receive in return. As stated on their website, they charge a fee for their services and are transparent about pricing.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Encompass More Asset Management LLC is a SEC-registered investment adviser that provides fee-based retirement planning and wealth management advisory services to individuals, employers/administrators (401(k), 457, 403(b) plans), and independent financial professionals. The firm operates a network of affiliated advisor practices that deliver personalized retirement strategies, fiduciary advice, and account management under a transparent fee model. Supporting offerings include the My Financial Wellness Center for employee financial wellness and an advisor platform with compliance and custodial support.

Product overview

Encompass More is a registered investment adviser offering a unified retirement planning and wealth management platform serving three primary segments: individuals seeking retirement planning, employers and administrators needing 401(k)/457/403(b) plan support, and financial professionals looking for account management and business growth tools. The core offering includes personalized retirement planning services, employer plan administration, and an advisor platform. Supporting modules include the My Financial Wellness Center for employee financial wellness and an Advisor Resources Portal for financial professionals. The company emphasizes fee transparency, fiduciary obligations, and serving middle-income Americans who often lack access to institutional-grade retirement planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Encompass More Retirement Planning Services Comprehensive retirement planning and wealth management advisory services for individual investors, covering personalized investment strategy, retirement savings solutions, and retirement income planning. Delivered through a network of affiliated financial advisors under a fiduciary model with transparent fees.
• Employer Retirement Plan Services Retirement plan administration and employee financial wellness services for employers and public administrators. Covers 401(k), 457, and 403(b) plan support, with the firm handling retirement planning responsibilities so employers can focus on their core business.
• Financial Advisor Platform Platform for independent financial advisors and affiliated practices (Du Charme Wealth Management, Skyline Financial Partners, Harvest Well Financial Partners, TDC Financial, AJM Financial, and others) to manage accounts, streamline service requests, access technology tools, and grow their businesses with compliance support, custodial relationships, and client acquisition resources.
• My Financial Wellness Center Standalone online financial wellness platform providing tools to help employees gain and maintain control of their financial lives. Connected to Encompass More's retirement planning services and offered to employers as part of employee financial wellness programs.

Named customers4 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• Du Charme Wealth ManagementcoreChannel Partner/ Reseller/ DistributorAffiliated wealth management advisory firm operating under the Encompass More platform. The firm specializes in holistic planning, wealth management solutions, and retirement planning, with multiple advisors including Robert V. Du Charme (Founder), Michael Du Charme, Branden Du Charme, and others.
• Skyline Financial PartnerscoreChannel Partner/ Reseller/ DistributorAffiliated financial advisory firm co-founded by Timothy Nelson and Alexander Stevenson in 2023. The firm specializes in estate planning, succession planning, and business law, with advisors providing comprehensive financial planning services under the Encompass More platform.
• Harvest Well Financial PartnerscoreChannel Partner/ Reseller/ DistributorAffiliated advisory firm founded by David and Gina Hessel, built on intention, patience, and shared purpose. Specializes in holistic financial planning with focus on investment strategy and retirement income planning.
• TDC FinancialminorChannel Partner/ Reseller/ DistributorAffiliated advisory firm led by Owner and Financial Advisor Terry Cox. The firm uses the D3 System (Discover, Design, Deploy) for financial planning and specializes in understanding risks and helping clients create, keep, and transfer wealth.
• AJM FinancialminorChannel Partner/ Reseller/ DistributorAffiliated advisory firm led by Financial Advisor Adam Moeller with over 20 years of experience helping individuals and families protect their wealth and plan for the future.
• SEC Registered Investment AdvisercoreOthersEncompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC), only transacting business in states where properly registered or exempted from registration requirements.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mercer Advisors: National RIA providing comprehensive financial planning, investment management, and tax services to individuals, families, and employer plans — closely comparable in retirement and employer-plan focus.
• Cambridge Investment Research: Independent broker-dealer supporting affiliated financial advisors with back-office, compliance, and planning resources; comparable in advisor-centric distribution and retirement plan focus.
• CAPTRUST: Independent RIA focused on retirement plan advisory, investment management, and financial planning for employers and high-net-worth individuals — directly comparable retirement and plan-services mix.
• LPL Financial: The largest independent broker-dealer and RIA custodian in the U.S., providing compliance, technology, and practice management support to thousands of affiliated advisors — directly comparable platform model.
• Commonwealth Financial Network: Privately held independent broker-dealer/RIA supporting affiliated advisors with practice management, technology, and compliance — a structural peer to Encompass More's network model.
• OneDigital: National financial services firm providing employer retirement plan advisory, wealth management, and benefits consulting — comparable in serving employers and plan administrators.
• Cetera Financial Group: A leading independent advisor network supporting affiliated financial advisors with compliance, technology, and custodial relationships — closely mirrors Encompass More's affiliated-advisor platform model.

Broad incumbents

• Edelman Financial Engines: Large independent RIA specializing in retirement plan participant advice, financial planning, and asset management — a broader incumbent in the same retirement and employer-plan space.
• Focus Financial Partners: A leading partnership of independent, fiduciary wealth management firms — a major consolidator and competitor for affiliated advisor talent and retirement plan services.

Others

• Charles Schwab Advisor Services: Custodial and technology backbone for thousands of independent RIAs — comparable as the infrastructure layer that Encompass More's affiliated advisors rely on, but not a direct competitor for end-client advisory services.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Encompass More