Encompass More Asset Management LLC

• A percentage of assets under your management
• Hourly charges
• Subscription fees (for a newsletter or periodical)
• Fixed fees (other than subscription fees)

Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ

See the firm's brochure (dated March 21, 2026) for its fees and any account minimum, on the SEC's IAPD site.

$984,886,079 as of October 2026, filing dated June 15, 2026.

A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means

A firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.

• Financial planning services
• Portfolio management for individuals and/or small businesses
• Portfolio management for pooled investment vehicles (other than investment companies)

Also doing business as

AIRBORN FINANCIAL SOLUTIONS, AJM FINANCIAL, BOYCE WEALTH MANAGEMENT, DEFREECE FINANCIAL SOLUTIONS, DUCHARME WEALTH MANAGEMENT, HARVEST WELL FINANCIAL, LUMARRA ADVISORS, LUMARRA CAPITAL, SKYLINE FINANCIAL PARTNERS, TDC FINANCIAL, THE WEALTH AKADEMY FINANCIAL LLC

Registration

SEC-registered investment adviser. Status as filed: Approved.

Registered since

2022 (4 years)

Employees

Total: 108. Performing investment advisory functions: 85.

Wrap fee program participation

No.

Custodians (Schedule D, Section 5.K(3))

Axos Advisor ServicesCharles Schwab & Co., Inc.Fidelity InvestmentsIPX Retirement

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

Other offices (Schedule D, Section 1.F)

14 other offices, as of the July 2026 filing

Alpharetta, GABurbank, CADenver, COFountain Hills, AZHaymarket, VANew Berlin, WINorth Myrtle Beach, SCSan Antonio, TXSanford, FLScottsdale, AZSpring, TXSt. George, UTVienna, VAWyomissing, PA

States registered or notice-filed

53 states or jurisdictions

AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPAPRRISCSDTNTXUTVAVIVTWAWIWVWY

SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration

None Reports no disclosure items on Form ADV Item 11. View on IAPD.

Item 11 asks about criminal, regulatory, and civil events involving the firm and its advisory personnel. The detail of each yes answer is on the IAPD record. Reading a firm's disclosures

Regulatory assets under management: $0 in the October 2022 data and $984,886,079 in the October 2026 data.

Total employees: 28 in October 2022 and 108 in October 2026.

As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.

1. July 2026
   • No longer lists the business name Rivers Wealth Management - FL.
   • Added the business name The Wealth Akademy Financial LLC.
   • Added the business name Defreece Financial Solutions.
   • Changed its office addresses in Wyomissing, PA.
   • No longer lists an office in Lake Mary, FL.
   • Registered or notice-filed in ND, RI, SD, VI.
2. May 2026
   • Registered or notice-filed in IA.
3. April 2026
   • No longer lists the business name Government and Civil Employee Services (gces).
   • Employees performing advisory functions went from 76 to 85.
   • Regulatory assets under management went from $581,910,000 to $984,886,079 (+69%).
   • Changed its office addresses in Spring, TX.
   • Added an office in Alpharetta, GA.
   • Added an office in Burbank, CA.
   • Added an office in Haymarket, VA.
   • Added an office in Lake Mary, FL.
   • Added an office in North Myrtle Beach, SC.
   • Added an office in Sanford, FL.
   • Added an office in Vienna, VA.
   • Added an office in Wyomissing, PA.
   • No longer lists an office in Greensberg, PA.
   • No longer lists an office in Indiana, PA.
   • No longer lists an office in Monroeville, PA.
   • No longer lists an office in Potomac Falls, VA.
   • Registered or notice-filed in NE.
4. March 2026
   • Added the business name Airborn Financial Solutions.
   • Added the business name Harvest Well Financial.
   • Added the business name Lumarra Advisors.
   • Added the business name Lumarra Capital.
5. December 2025
   • Registered or notice-filed in AK.

Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.