Uncover your financial potential to achieve your life goals.


Fee-Only Financial Planner

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.

Our motto is to provide a plan to build, grow, and secure your financial future by understanding your priorities and goals. While we value a long-term relationship with you, we are happy to address any immediate financial decisions confounding you. 

For full disclosure, the firm neither sells any products nor earns any commission from providers because that represents a clear conflict of interest. Our planners place "your interest first" as required by the fiduciary standards. No compromises.

Founder Bio

About me

I did BS in Mechanical Engineering from VNIT, Nagpur (India) and MBA from Indian Institute of Management, Bangalore (India). 

Besides English, I am fluent in Hindi and Tamil and I understand Marathi and Kannada. 

Sridhar (Sri) Krishnan, BS, MBA, RFA


From Tech Geek to Financial Geek: My Financial Planning Journey

I am a seasoned technology professional and an entrepreneur based in the Silicon Valley. I have experience starting and running a software company that was venture-funded and subsequently acquired by a public company. I have also served in leadership roles in two start-ups as well as mentored several entrepreneurs.

During my high-tech career, I got intrigued by money matters such as savings, investments, insurance, taxes in order to achieve my family's financial goals. Out of curiosity, I spent time reading and researching various aspects of personal finance. I realized that there are growing number of financial options available with increasing complexity in these choices. My passion towards financial planning ultimately resulted in pursuing formal education from the College for Financial Planning


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

Disclaimer: Opinions expressed in the site are solely those of Encover Personal Finance LLC unless otherwise specifically cited. The content on this site is for information purposes only. Encover Personal Finance LLC is an Registered Investment Advisor (RIA) firm in the State of California. 

IARFC BlueBlackGlobe.jpg

©2020 by Encover Personal Finance LLC