©2019 by Encover Personal Finance LLC

DISCLOSURES

Investment Adviser Public Disclosure

FIRM BROCHURE

Form ADV Part 2A can be downloaded from SEC's website (www.advisorinfo.sec.gov)

by entering identification number 297367 for Encover Personal Finance LLC.

INDIVIDUAL SUPPLEMENT

Form ADV Part 2B (brochure supplement) can be downloaded from SEC's website (www.advisorinfo.sec.gov)

by entering CRD# 7002561 for Sridhar Krishnan

CFP Board’s definition of Fee-Only: “A certificant may describe his or her practice as “fee-only” if, and only if, all of the certificant’s compensation from all of his or her client work comes exclusively from the clients in the form of fixed, flat, hourly, percentage or performance-based fees.