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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 mission 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 standardsNo compromises.

Uncover your financial potential

Investment Management
Sridhar Krishnan, CFP

About me

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

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

Founder Bio

Sridhar (Sri) Krishnan, BS, MBA, CFP®

From Tech Geek to Financial Geek: My Financial Planning Journey

I am a seasoned technology professional and an entrepreneur based in 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 other 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 a growing number of financial options available with increasing complexity in these choices. My passion towards financial planning ultimately resulted in pursuing formal education in Financial Planning, subsequently completing the rigorous requirements to be a CERTIFIED FINANCIAL PLANNER™ Professional.


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. ​I​ am a registered member of NAPFA (National Association of Personal Financial Advisors), XYPN (Gen-X, Gen-Y Planning Network), FPA (Financial Planning Association) and Academy of Special Needs Planners.

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