I am an independent, fee-only CERTIFIED FINANCIAL PLANNER™ Professional based in Fremont, CA. I am a member of NAPFA (National Association of Personal Financial Advisors), XYPN (Gen-X, Gen-Y Planning Network) and Academy of Special Needs Planners.

Credentials: BS, MBA, CFP®

Languages: English, Hindi, Tamil, and conversational Marathi and Kannada.

Prior to my financial planning career, I was a technology entrepreneur based in the Silicon Valley. Out of curiosity and passion, I spent time reading and researching various aspects of personal finance. My passion towards financial planning ultimately resulted in pursuing formal education in Financial Planning.

I launched Encover Personal Finance in 2018, primarily to help other professionals achieve their financial life goals based on my own experience. I believe in serving clients honestly and transparently in a conflict-free manner.

For full disclosure, the firm neither sells any products nor earns any commission from providers because that represents a clear conflict of interest. 

Firm Description

Encover Personal Finance LLC  is a "fee-only" financial planning firm based in Fremont, CA serving the Bay Area. Our philosophy is to present you with unbiased and well-researched advice so that you can make the best decisions in every phase of your life.

We focus on providing affordable planning services to Gen X and Gen Y professionals (ages 35-55) in the Silicon Valley/San Francisco Bay Area who want to build, grow and secure their financial future. Our services cover a wide variety of financial planning areas such as employer benefits (401(k), 403(b), RSU, ESPP, FSA/HSA, ESOP, NQSO), debt management, college savings (529-plans), insurance needs, tax planning and strategy, home purchase/refinance, retirement planning, investment management (asset allocation, portfolio re-balancing), business ownership, cash flow management, investment property assessment, and estate planning.

Our services are:

• Flat Fee-Only: Fees are based on complexity only. Unlike wealth management advisors, our fees are not calculated as a % of total "Assets Under Management" (AUM), Net Worth or Income.  No commissions or kick-backs.

• Independent: Not affiliated with any broker/dealers or Wealth Management franchises

• Fiduciary Relationship: Your interest first, eliminating any conflict of interest

• No Asset Minimum: Your investments could be any amount

• Flexible Timings: Evening hours, Weekends and Virtual Meetings

• Interactive Financial Planning and Tax Planning: Visualize what-if scenarios before implementing changes

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