# Sridhar Krishnan

> Sridhar Krishnan is a fee-only financial advisor at Encover Personal Finance LLC in Fremont, California, who holds the BS, CFP and MBA credentials. Sridhar charges a flat fee or retainer, an ongoing planning fee, a one-time planning fee and hourly fees (ongoing planning from $3,000 a year and one-time plans from $2,400) and focuses on equity compensation, tax planning and estate & legacy planning.

Page: https://find.wellspent.co/advisors/sridhar-krishnan/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Encover Personal Finance LLC
- **Based in:** Fremont, California
- **Fee model:** Flat fee or retainer; Ongoing planning fee; One-time planning fee; Hourly
- **Fees (firm's website):** ongoing planning from $3,000 a year; one-time plans from $2,400; $300 an hour; no asset minimum
- **Works virtually:** Yes (firm's website)
- **Languages:** Hindi, Tamil
- **Accepting new clients:** Yes (firm's website)
- **Credentials:** BS, CFP, MBA
- **Specialties:** Equity compensation, Tax planning, Estate & legacy planning, Small business owners
- **Works with:** Tech employees, Early-career professionals
- **CRD:** 7002561 (https://adviserinfo.sec.gov/individual/summary/7002561)
- **SEC registration:** Investment adviser representative in CA, TX
- **Exams passed:** Series 65 (2017)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://encoverpersonalfinance.com

## Frequently asked questions

### Is Sridhar Krishnan a fee-only financial advisor?

Yes. Sridhar Krishnan is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Sridhar's firm.

### How does Sridhar charge for financial advice?

Sridhar charges a flat fee or retainer, an ongoing planning fee, a one-time planning fee and hourly fees.

### How much does Sridhar charge?

According to Encover Personal Finance LLC's website, checked October 28, 2026: ongoing planning from $3,000 a year; one-time plans from $2,400; $300 an hour; no asset minimum.

### Does Sridhar work with clients virtually?

Yes. Encover Personal Finance LLC says on its website that it works with clients remotely.

### What languages does Sridhar work in?

Besides English, Encover Personal Finance LLC offers service in Hindi and Tamil, according to its website.

### Where is Sridhar Krishnan based?

Sridhar Krishnan is based in Fremont, California.

### What does Sridhar specialize in?

Sridhar's specialties include equity compensation, tax planning, estate & legacy planning and small business owners. Sridhar works with tech employees and early-career professionals.

### What credentials does Sridhar Krishnan hold?

Sridhar Krishnan holds the BS, CFP and MBA credentials.

### Is Sridhar Krishnan registered with the SEC?

Yes. Sridhar Krishnan is registered as an investment adviser representative in CA and TX (CRD 7002561), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How do I contact Sridhar Krishnan?

Through Sridhar's website, encoverpersonalfinance.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/44891): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.encoverpersonalfinance.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.