Sridhar (Sri) Krishan BS, MBA, CFP®

Encover Personal Finance LLC

Sridhar (Sri) Krishan BS, MBA, CFP®

Encover Personal Finance LLC

Sridhar (Sri) Krishan BS, MBA, CFP®

Encover Personal Finance LLC


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


Day From To
Sunday 9:00 AM 12:00 PM
Monday 2:00 PM 7:00 PM
Tuesday 2:00 PM 7:00 PM
Wednesday 2:00 PM 7:00 PM
Thursday 2:00 PM 7:00 PM
Friday 2:00 PM 6:00 PM
Saturday 9:00 AM 12:00 PM


One-Time Financial Planning: $1,800 to $3,600
Ongoing Engagement (Retainer/Subscription): $225-$325
Project-based Consulting (Hourly): $225 per hour; 3 hour minimum.

What Is a Special Needs Planner?

Main Office

34291 Eucalyptus Terrace
Fremont, CA 94555

On the web

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