Services
Financial advising
For people who don’t need a dramatic overhaul — they need a second set of eyes and someone who answers the phone.
What we cover
Investment strategy
Asset allocation matched to your actual timeline and how much income is already guaranteed by your pension.
Savings & contributions
How much to put where — 403(b), IRA, Roth, taxable — and in what order.
Second opinions
You have a plan. You want someone unaffiliated to review it and tell you what holds up and what doesn’t.
Tax-aware withdrawals
Coordinating what you withdraw with your bracket, your pension income, and your Social Security taxation.
Beneficiary review
Making sure the accounts and the documents agree with each other, so the money goes where you intend.
Ongoing check-ins
A plan is a living document. We review it as your life and the rules change.
How we’re compensated
I’m an Investment Adviser Representative working through Encompass More Asset Management LLC. Advisory services are billed as a percentage of assets under management. Insurance products, including annuities, are sold separately on a commission basis through Ohlson Group, and the difference matters — we’ll always tell you which is which, in writing, before you decide anything.
Why this disclosure matters
An adviser who earns a commission on a product has a financial interest in recommending it. You deserve to know when that’s the case. Ask me directly, any time, what I’m paid on a recommendation — I’ll show you the numbers.
Get a second opinion
No obligation, and no pitch to move everything you own.