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Encompass CPA CFP Investment Advisor financial planner Encompass Financial
Services


Call Today!


ENCOMPASS FINANCIAL SERVICES: YOUR EXPERT IN ALL THINGS FINANCIAL


ENCOMPASS FINANCIAL SERVICES: YOUR TRUSTED EXPERTS IN INCOME TAXES, PERSONALIZED
FINANCIAL PLANNING, INVESTMENT MANAGEMENT AND ESTATE PLANNING IN SAN DIEGO.


COMPREHENSIVE INCOME TAX PREPARATION

At Encompass Financial Services we start with reviewing your previously filed
returns, minimizing your taxes while preparing your current returns and looking
for tax planning opportunities going forward.


HOLISTIC FINANCIAL PLANNING

Our financial planners create thorough & complete financial plans that encompass
all of your financial needs from Income Taxes & Investments to Trusts and Estate
planning.


STRATEGIC ESTATE PLANNING SOLUTIONS

We offer custom tailored Estate Planning advice for a secure future for you and
generations to come.


COMPREHENSIVE WEALTH MANAGEMENT SOLUTIONS

Skilled advisors offering tailored guidance for your financial success.


ENCOMPASS FINANCIAL SERVICES: GUIDING YOU TOWARDS FINANCIAL SUCCESS

At Encompass Financial Services, our CPA & CFP certified financial planners &
investment advisors strive to offer services that encompass all of your
financial needs. A thorough review of your investment portfolio and previous tax
returns will help us determine what your current situation looks like. You will
be interviewed to help us get a solid idea of your retirement income needs,
financial goals and future ambitions. After filing your current tax returns, we
will look for any tax planning opportunities that may be available to save you
money.

Next, we build a comprehensive financial plan that helps us calculate the
minimum required rate of return for you to accomplish your financial goals. Once
we have that, we can create an investment allocation model that helps ensure
your success by running 1000’s of market simulations. Only the highest rated
funds available are chosen to create your portfolio. We finish with reviewing
your Estate planning, Trust and charitable gifting goals.

Once this is complete, we will continually review the performance of your
portfolio on a quarterly basis, continue to look for tax savings opportunities
and adjust your plan depending on your changing circumstances. We believe it is
important to work with certfied CPA or CFP: If you are unsure of your current
tax preparer’s licensing you can check here and for your investment advisor’s
licensing you can check here .

Todd Wiersum CPA CFP

Located in beautiful Del Mar California, we look forward to helping you achieve
your financial goals.

Book Appointment!


ENCOMPASS FINANCIAL SERVICES SUCCESS STORIES: REAL-LIFE WEALTH JOURNEYS

Discover why our clients rave about their experience with Encompass Financial
Services. Read their testimonials and see how our personalized financial advice
has helped them achieve their goals.

We’ve had a great experience working with Todd and his team at Encompass
Financial Services. They are highly professional and thorough, consistently
going the extra mile to help us save money. We really value Todd’s efforts
throughout the year in estimating our tax liability and minimizing our payments,
especially since we deal with multiple complex K-1s that arrive at different
times. He has helped us with some investments, and he responds promptly to our
questions and explains everything in a clear, easy-to-understand manner.

SHAWN & JENNIFER BAKER

Entrepreneur

Todd has consistently excelled at preparing our income tax returns over the
years. He effectively navigates the complexities of my work in the movie
industry, which involves multiple W-2s, as well as managing a small business and
a farm. His thoroughness and dedication to finding ways to save us money on
taxes are truly impressive. We also appreciate his year-end tax planning
services, which help us avoid any unexpected tax surprises.

Recently, he created a comprehensive financial plan for us, providing the
knowledge and confidence we need for retirement. We feel assured that our
investments will be professionally managed and our financial needs will be well
taken care of.

MONTY STUART

Horse wrangler/trainer

I cannot express enough gratitude for the exceptional support I received during
my highly contested divorce. Todd was not only incredibly professional but also
deeply empathetic. He carefully and fully analyzed the data.  Todd, took the
time to listen to my concerns and consistently went above and beyond to ensure I
understood the financial implications of every decision. His guidance was
invaluable during this challenging time, and I truly appreciate all his hard
work and dedication.

APRIL CDE BACA

Del Mar, CA

Call Today!


INCOME TAX SERVICES


COMMUNICATION IS THE KEY TO OUR 5 STAR SERVICE

At Encompass Financial Services we strive for 5 star service. First, we will
review your previous tax returns. Then, we organize and scan your data and
prepare your taxes. We will communicate with you when we receive your documents
and if any documents appear to be missing. You will be notified when the tax
returns are ready for review. Additionally, you will be contacted when the
returns have been accepted electronically. We even reach out to you when we
receive your payment for our services. You will be in communication during the
entire process.


STRATEGIC PLANNING

The fact that the tax code was written by attorneys leaves a large “grey area”
for taxpayers. Our philosophy is to push a little towards the edges of the grey
area to find you every possible deduction in an effort to save you tax. There
are often opportunities to use entities such as Partnerships or S Corporations
to minimize employment taxes that we can recommend. Additionally, we may discuss
strategic ways to maximize your itemized deductions by doubling up on charitable
gifts, mortgage payments & property taxes every other year or making Qualified
Charitable Donations through your retirement account. We will also help you
setup Charitable Remainder Trusts or Donor Advised Funds when appropriate.


YEAR END TAX PLANNING

After your returns are filed, we remain available for questions or for tax
planning. Every year in October we contact our clients to offer year-end tax
planning services. We will review your income/expense summaries, investment
account statements and retirement or paystubs to make sure you won’t have any
unexpected surprises. Lastly, we also look for opportunities to reduce taxes
through tax loss harvesting in your investment accounts.


SPECIALIZED TAX STRATEGIES TO BUILD WEALTH

We specialize in helping real estate professionals & investors save taxes by
minimizing the Self Employment Tax, increasing Depreciation and maximizing
Deductions. This can also help protect assets from litigation.

Let’s start by operating your primary business as an S Corp to minimize the Self
Employment Tax, which is 15.3% on top of your Income Tax! If you made $300k last
year that change could easily save you $15,000! Subsequently, we will look at
your previous 3 returns for potential savings.


COST SEGREGATION

Next, we depreciate using Cost Segregation rather than a straight 27.5 year
lifespan. Most CPA’s depreciate your rental properties using a standard split
where 75% of the purchase price is depreciated over a 27.5 or 39 year life.
However, the IRS is very clear that a building is composed of numerous different
“types” of property some of which are depreciated over 5 years and qualify for
bonus depreciation! Let’s look at the example below to see how this works:

But we don’t stop there because the IRS has income thresholds and limits on how
much passive losses you can deduct on your rental. For those that are real
estate professionals or meet the material participation guidelines, we recommend
buying or transitioning to rentals with an average of 7 days or less. These
short-term rentals don’t qualify as a “passive rental” but rather an actual
business. Those losses can then be used to offset all of your other income
without limit. Using our example and assuming a 35% Fed and 11% State tax
rate-that is a savings of 25,000!


CORPORATIONS, PARTNERSHIPS AND TRUSTS, OH MY!

As part of your liability protection program, we will also help you set up a
revocable living trust, a Limited Partnership, and a C corporation which looks
like this:

This structure does more than just protect you. It also gives you the advantage
of enjoying the generous deductions available for medical expenses, automobiles
and tuition programs allowed by a C Corporation which could easily save
you another $5,000-$10,000. Total Saved as much as $50,000!


INTERNATIONAL CLIENTS

Preparing tax returns for foreign residents involves navigating a complex
landscape of regulations and requirements. Unlike U.S. citizens, foreign
residents may be subject to different tax treaties and obligations, which can
impact their income reporting and potential deductions. It’s essential to
determine their residency status—whether they qualify as non-resident aliens or
resident aliens for tax purposes—since this classification affects their tax
liabilities. Accurate documentation, including income sources, tax
identification numbers, and any applicable forms such as the 1040NR or 1040,
must be meticulously gathered. Additionally, filing the appropriate Fincen Form
114 to report foreign bank or investment accounts & understanding any available
foreign tax credits or exemptions under bilateral tax treaties can help optimize
their tax position. Given the intricacies involved, many foreign residents
benefit from professional assistance to ensure compliance and maximize their
potential refunds.

Email Us Today!


INVESTMENT ADVISORY SERVICES


COMPREHENSIVE FINANCIAL PLANNING & RISK TOLERANCE

In the realm of personal finance and investment management, the decision between
simply choosing a risk tolerance and engaging in the comprehensive financial
planning process holds critical significance. While understanding one’s risk
tolerance is an essential component of investment strategy, it pales in
comparison to the multifaceted benefits offered by a well-structured
financial plan.


UNDERSTANDING RISK TOLERANCE

Determining one’s risk tolerance involves assessing an individual’s comfort
level with the potential volatility and fluctuations in the value of their
investment portfolio. It has traditionally been a pivotal aspect of constructing
an investment strategy, with individuals categorizing themselves as
conservative, moderate, or aggressive investors based on their willingness and
ability to withstand market fluctuations and potential financial losses.
However, these answers are somewhat based on emotions as they may change
depending on if the markets are doing well or if they are doing poorly. When
things are up, clients might be willing to take more risk. When markets are
down, clients might be more risk averse

Why build your portfolio based on risk tolerance alone when you don’t even know
what the minimum rate of investment returns are required to meet your retirement
income goals? Once you have that number, you can decide if there is any reason
to take additional risk!


THE HOLISTIC APPROACH OF FINANCIAL PLANNING

Conversely, the financial planning process encompasses a thorough and holistic
approach that extends far beyond a mere assessment of risk tolerance. It delves
into a wide array of financial elements with a focus on retirement funding to
determine what rate of returns are NEEDED to ensure sufficient liquidity during
your lifetime. Once we know what rate of returns are needed and that we have a
100% probability of success, we can fill in the rest of the plan including asset
allocation, tax minimization strategies, and estate planning. A well-crafted
financial plan serves as a roadmap, guiding individuals on a comprehensive and
integrated path toward their financial objectives.

Comprehensive Risk Assessment: Financial planning involves a nuanced evaluation
of an individual’s risk capacity, tolerance, and perception, taking into account
factors such as income, savings, debts, and long-term financial aspirations.
This comprehensive risk assessment provides a deeper understanding of an
individual’s risk profile and guides the construction of an investment strategy
that aligns with their overall financial plan.

Diversification and asset allocation: A well-designed financial plan
incorporates a diversified investment portfolio that not only considers an
individual’s risk tolerance but also addresses their specific financial goals,
time horizon, and investment preferences. This approach optimizes portfolio
performance through a balanced and strategic asset allocation.

Risk Management Beyond Investments: Financial planning extends risk management
beyond investment considerations, encompassing areas such as insurance coverage,
emergency funds, and estate planning. By addressing these broader risk
management aspects, individuals can fortify their financial resilience and
safeguard against unforeseen circumstances.

Adaptability and Flexibility: The financial planning process facilitates an
adaptable and flexible framework for ongoing risk management, allowing
individuals to continually evaluate and adjust their risk tolerance and
investment strategy in response to changes in personal circumstances, market
conditions, and financial goals.

In summary, while recognizing one’s risk tolerance is an important part of
investment planning, embarking on the financial planning process supersedes this
initial step. It empowers individuals to construct a comprehensive, well-rounded
plan that identifies the minimum rate of return to be 100% confident of success,
integrates risk management with a myriad of financial considerations, ultimately
leading to a more resilient, effective, and sustainable approach to wealth
management and financial success.


Book Appointment!


ESTATE PLANNING AND LEGAL SERVICES


IRS AUDITS

In 2024, IRS audits are expected to become more comprehensive and data-driven,
reflecting the agency’s ongoing efforts to enhance compliance and streamline
operations. With increased funding and resources, the IRS aims to target
higher-income earners and complex tax situations, focusing on areas like
cryptocurrency transactions and large business deductions.

Taxpayers can anticipate more sophisticated audit techniques, including the use
of artificial intelligence and analytics to identify discrepancies.
Additionally, the IRS is likely to increase its emphasis on educational
outreach, helping taxpayers understand compliance requirements and reduce errors
before audits occur.

Looking ahead, taxpayers should be prepared for potentially more frequent
audits, especially if they fall into higher risk categories. Maintaining
accurate records and being proactive in tax planning will be essential for
navigating the evolving landscape of IRS audits. Overall, the future of IRS
audits will prioritize transparency, fairness, and the use of technology to
improve efficiency and effectiveness.


OFFER IN COMPROMISE

Our Offer in Compromise (OIC) services provide a comprehensive solution for
individuals facing tax debt challenges with the IRS. We specialize in
negotiating settlements that allow you to pay less than the full amount owed,
helping you achieve financial relief and peace of mind. Our experienced team
conducts a thorough analysis of your financial situation, ensuring that we
present a compelling case to the IRS that highlights your inability to pay the
full amount. We handle all the paperwork and communications, guiding you through
each step of the process. With our expert support, you can navigate the
complexities of the OIC process, maximize your chances of acceptance, and
ultimately move toward a fresh financial start. Legal Services are provided
separately in our office or by zoom with our good friend William Hartsock,
Attorney. Click the image to learn more.


ESTATE PLANNING: A COMPREHENSIVE STRATEGY TO MANAGE, DISTRIBUTE WEALTH AND CARE
FOR LOVED ONES.

Estate planning and trusts involve creating a comprehensive strategy to manage
and distribute your assets according to your wishes after you are incapacitated
or after your passing. This process includes drafting essential documents such
as wills, trusts, health care directives and durable powers of attorney, which
help ensure your estate is handled efficiently and in accordance with your
preferences.

A trust, in particular, can provide added benefits, such as avoiding probate,
protecting assets from creditors, and ensuring privacy in your financial
affairs. By engaging in estate planning, you can also address important issues
like guardianship for dependents and tax minimization strategies, ultimately
providing peace of mind for you and your loved ones. We often help clients with
their charitable gifting goals using Charitable Remainder Uni Trusts (CRUTs)
which can provide a beneficiary with an income stream while also giving clients
current income tax deductions. With thoughtful planning, you can secure your
legacy and make informed decisions about your future and the future of your
family. Legal Services are provided separately in our office or by zoom with our
good friend Kevan McLaughlin, Attorney. Click the image to learn more.

Living trusts and charitable remainder trusts (CRTs) are valuable estate
planning tools that serve distinct yet important purposes.


LIVING TRUSTS

A living trust is a legal document created during an individual’s lifetime that
allows them to place assets into the trust for their benefit while alive and to
determine how those assets will be distributed after their death. Here are some
key benefits:

 1. Avoiding Probate: One of the primary advantages of a living trust is that it
    can help your heirs avoid the lengthy and often costly probate process,
    allowing for quicker access to assets.
 2. Privacy: Unlike wills, which become public record during probate, living
    trusts remain private, keeping your estate plans confidential.
 3. Flexibility: Living trusts can be altered or revoked at any time while the
    grantor is alive, providing flexibility in managing assets as personal
    circumstances change.
 4. Incapacity Planning: If the trust creator becomes incapacitated, the
    successor trustee can manage the trust assets without needing a
    court-appointed guardian.


CHARITABLE REMAINDER TRUSTS

A charitable remainder trust is an irrevocable trust that provides income to the
trust creator or other beneficiaries for a specified period, after which the
remaining assets are donated to a designated charity. This type of trust offers
unique advantages:

 1. Tax Benefits: CRTs can provide immediate tax deductions based on the present
    value of the charitable donation, reducing the donor’s taxable income.
 2. Income Stream: The trust can provide a steady income stream to the
    beneficiaries for a set term or for their lifetimes, making it an attractive
    option for retirement planning.
 3. Charitable Giving: CRTs enable individuals to support charitable causes
    while also benefiting financially, aligning personal financial goals with
    philanthropic interests.
 4. Estate Planning: By removing assets from the estate, CRTs can reduce estate
    taxes, allowing more wealth to be passed on to heirs.

Click on the flyer to the right to learn more—–>

Both living trusts and charitable remainder trusts play crucial roles in
effective estate planning. Living trusts provide control, privacy, and
efficiency, while CRTs offer a way to blend charitable giving with financial
planning. Understanding and leveraging these tools can significantly enhance an
individual’s estate plan, ensuring their wishes are fulfilled while optimizing
tax benefits and financial security.


CORPORATIONS OR LLC’S FOR LIABILITY PROTECTION, TAX SAVINGS & ESTATE
PRESERVATION

Using a Limited Liability Company (LLC) as a holding company for real estate
investments is a strategic approach that offers numerous benefits for property
owners and investors. One of the primary advantages is the protection it
provides against liabilities. By holding real estate within an LLC, investors
can shield their personal assets from lawsuits or debts related to the
properties. If a tenant were to file a lawsuit or if a property incurs
unexpected expenses, the liability is confined to the LLC, safeguarding the
owner’s personal finances.

Additionally, an LLC can facilitate more efficient management of multiple
properties. When properties are held under a single holding company, it
simplifies financial reporting and operational oversight. Investors can track
income and expenses more effectively, manage cash flow, and make decisions based
on the overall performance of their real estate portfolio. This centralization
can also make it easier to secure financing or negotiate deals, as lenders often
prefer to work with established entities rather than individual owners.

Tax benefits also make using an LLC attractive for real estate holding. LLCs can
elect to be taxed in various ways such as a sole proprietorship, a partnership,
an S Corporation or a C Corporation. They are typically subject to pass-through
taxation, which means profits and losses are reported on the owners’ personal
tax returns. This can help avoid the double taxation that often occurs with
traditional corporations. Moreover, real estate investors can take advantage of
various tax deductions, such as depreciation and operational expenses, which can
further enhance their financial returns.

Finally, structuring an LLC as a holding company allows for greater flexibility
in ownership and succession planning. Investors can easily add or remove
members, transfer ownership stakes, or pass assets to heirs without incurring
significant tax implications. This flexibility makes it easier to adapt to
changing investment strategies or personal circumstances, ensuring that the real
estate portfolio remains aligned with the owner’s goals over time. Overall,
using an LLC as a holding company for real estate is a sound strategy for
protecting assets, optimizing management, and enhancing financial efficiency.


Call Today!












REAL ESTATE

Real estate brokers provide expert guidance and support throughout the buying,
selling, or renting process. They leverage their in-depth market knowledge to
help clients navigate the complexities of real estate transactions. Services
include assessing property values, marketing listings, negotiating offers, and
facilitating inspections and closings.

Brokers also offer valuable insights into local neighborhoods, schools, and
market trends, ensuring clients make informed decisions. Whether you’re a
first-time buyer, a seasoned investor, or looking to sell your property, real
estate brokers are dedicated to delivering personalized service and achieving
the best possible outcomes for their clients. With their expertise, you can
confidently navigate the real estate market and realize your property goals. We
believe that Mindy is a Realtor you can trust, and we have seen that she will
work tirelessly to market your home.

Communication is Key 

You can expect consistent, clear, and proactive communication throughout every
step of the process. From guiding buyers in finding the perfect property to
preparing sellers for a successful listing, I provide regular updates on
showings, open houses, and offers to keep you fully informed. I will provide you
with a clear understanding of each stage of the property purchase or sale
process, including all necessary paperwork, to ensure you feel confident and
comfortable every step of the way.

Your Best Interests 

I am fully committed to serving your best interests, offering honest advice and
professional recommendations while respecting your decisions at every step. My
goal is to guide you without pressure, ensuring you feel completely confident in
each choice. With a deep understanding of local trends, neighborhoods, and
market dynamics, I’m here to support you in achieving your real estate goals.

Personal Integrity and Professionalism 

I will always be truthful and trustworthy. I abide by the National Association
of REALTORS Code of Ethics. I will maintain complete confidentiality with all
personal and sensitive information disclosed to me. Click my image to learn
more.


Book Appointment!


EXPERT ADVISORS FOR YOUR FINANCIAL GROWTH

Encompass Financial Services: Your Trusted Partner in Financial Success


ENCOMPASS FINANCIAL SERVICES: GUIDING YOU TOWARDS FINANCIAL SUCCESS

At Encompass Financial Services, we offer personalized financial advice to meet
your needs. Our certified advisors use the latest technologies to help you
achieve your financial goals. Located in San Diego, we are committed to your
financial success.


OUR TEAM

Trust our seasoned financial experts to provide personalized strategies for your
financial success and future security.

TODD WIERSUM

CPA, CFP Owner

Devoted to tax efficiency and comprehensive financial planning.

COLTON WIERSUM

Enrolled Agent Tax Preparer

Focused on empowering clients through tax preparation and planning.

SHERRY MCDONALD

Senior Tax Preparer

Dedicated to fostering long-term financial stability for clients.

AYLA SHAKOORI

Assistant Tax Preparer

Guiding clients through complex financial landscapes.

WILLIAM HARTSOCK

Tax Attorney Auditor

Guiding clients through complex legal landscapes with expert precision.

KEVIN MC LAUGHLIN

Attorney & Estate Planner

Devoted to detailed estate planning and client prosperity.

KAREN BASCHURI

Office Manager

Dedicated to fostering long-term financial stability for clients.

MINDY LARSON

Real Estate Specialist

Focused on selling your home through strategic marketing.

Stop by today for a complementary coffee or refreshment.

12636 Highbluff Dr, #110

Del Mar, CA 92014

(858)353-1613

info@encompassfinancial.com

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Important Disclosures: The information provided here is for general
informational purposes only and should not be considered an individualized
recommendation or personalized investment advice. The investment strategies
mentioned here may not be suitable for everyone. Each investor needs to review
an investment strategy for his or her own situation before making any investment
decision. Investing involves risks, including loss of principal.

All expressions of opinion are subject to change without notice in reaction to
shifting market or economic conditions. Data contained herein from third party
providers is obtained from what are considered reliable sources. However, its
accuracy, completeness or reliability cannot be guaranteed.
Supporting documentation for any claims or statistical information is available
upon request.

This information is not intended to be a substitute for specific individualized
tax, legal or investment planning advice. Where specific advice is necessary or
appropriate, we recommend a consultation with a qualified tax advisor, CPA,
financial planner, or investment manager. A donor’s ability to claim itemized
deductions is subject to a variety of limitations depending on the donor’s
specific tax situation. Examples provided are for illustrative purposes only and
not intended to be reflective of results you can expect to achieve.

Todd Wiersum is a licensed Certified Public Accountant (CPA) and Sole-Owner of
Solstice Tax Solutions Inc. He spends 80% of his time as an accountant with
Solstice Tax Solutions Inc, an affiliated CPA firm of Encompass Financial
Services. Solstice Tax Solutions Inc. may recommend Encompass Financial Services
to accounting clients in need of advisory services. Todd Wiersum may recommend
Solstice Tax Solutions Inc. to advisory clients in need of tax services, all of
which creates a conflict of interest. Tax services provided by Solstice Tax
Solutions Inc. are separate and distinct from the advisory services of Encompass
Financial Services and are provided for separate and typical compensation.

There are no referral fee arrangements between Encompass Financial Services and
Solstice Tax Solutions Inc. for these recommendations.  Encompass Financial
Services clients are never obligated to use Solstice Tax Solutions Inc., William
Hartsock Attorney, Kevan McLaughlin Attorney, Mindy Larson Realtor or Exp Realty
Crosby Home Team for their services. There are no referral agreements in place
between Encompass Financial Services, Solstice Tax Solutions Inc., William
Hartsock Attorney, Kevan McLaughlan Attorney, Mindy Larson Realtor, EXP Realty,
or the Crosby Home Team.

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