Perhaps the best consulting and wealth management team in the united states
You’ve Outgrown the Traditional Retirement System. It’s Time Your Strategy Caught Up.
Encompass Group
How We Can Partner With You
Most retirement plans were designed for the average employee — not high-income earners. Encompass Group helps professionals and business owners create tax-exempt, growth-oriented strategies that offer clarity, control, and certainty.
Most people are saving into a system built on uncertainty.
Your 401(k) doesn’t eliminate taxes — it only defers them. When you retire, you’re not just taking withdrawals… you’re entering a new tax bracket.
If taxes rise, your “retirement savings” could become tomorrow’s tax liability.
“Retirement should be built around what you keep — not what you hope for.”
The Higher Your Income, the Smaller Your Traditional Retirement Account (401(k)/IRA) Feels
Contribution caps and income limits were created for average earners — not for those earning higher than $165K.
When you’re capped at $23,500 per year, you’re leaving enormous opportunity on the table.
We show professionals and business owners how to go beyond those limits — building strategies that grow tax-exempt, scale with income, and preserve wealth for generations.
The IRS Code Hidden in Plain Sight
Buried in the tax code is a powerful section — Section 101.
It allows individuals to build, access, and transfer wealth tax-exempt, when structured properly.
Top executives, private business owners, and even Fortune 500 companies use 101-based strategies to protect assets and pass them on without taxation.
Reward Leadership Without Sacrificing Profitability
Most “bonus” programs increase costs. This one builds assets.
Under IRC Section 162, you can reward executives through a life-insurance–based strategy that grows tax-deferred and can be accessed tax-free — all while preserving EBITDA.
“It’s the rare win-win in executive compensation.”
Everyone Talks About Yield. Few Talk About Certainty.
In volatile markets, “average returns” mean little if you can’t count on them.
Our strategies focus on guaranteed growth, not speculation — leveraging tax-advantaged cash value and financial control.
Because when the markets are uncertain, certainty becomes your greatest return.
The IRS: Your Silent Partner in Every 401(k)
You fund it, you grow it, and someday, the IRS decides how much you get to keep.
That’s not control — that’s hope.
We help you separate your wealth from government tax decisions, building something that’s truly yours.
Control Is the Ultimate Wealth
Control Creates Clarity. Clarity Creates Certainty.
True financial freedom isn’t about net worth — it’s about control.
At Encompass Group, we help high-income earners design strategies that deliver freedom: the ability to decide how and when to use your money, without restriction or penalty.
Because we make exit planning accessible, practical, and impactful—delivering peace of mind for practice owners and long-term value for their legacy.