Jay R. Penney

ENCOMPASS MORE ASSET MANAGEMENT LLC

Scottsdale, AZ

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CRD#: 1146552

Professional summary

Jay Robert Penney, AIF®, CFA, CFP® is a registered financial advisor currently at ENCOMPASS MORE ASSET MANAGEMENT LLC located in Scottsdale, Arizona and ENCOMPASS MORE INVESTMENTS, LLC located in Danville, California.

Jay is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1983. Jay has worked at 11 firms and has passed the Series 65, Series 63, SIE, Series 7, Series 22, Series 6 and Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

1) Encompass More Asset Management, LLC; Investment-related; 390 Diablo Road, Suite 100, Danville CA 94526; Registered Investment Advisor; Registered Representative; Start: 08/2025; Investment Advisory Services to Clients; 10 hrs./month devoted during trading hrs.; maintaining client relationships and supporting their investments and financial planning needs. 2) Jay R. Penney, L.L.C.; Not-Investment related; 5116 E. Wagoner Rd., Scottsdale AZ 85254; an S- Corporation; Owner 100%; Start: 04/2000; 4 hrs./devoted; 30 hrs. during trading hrs.; an S-Corporation through which I receive by business revenues, including advisory fees and commissions; Sole employee since 2016. The LLC collects all earned income, pays salary, and contributes to a qualified retirement plan. Each year, I file a corporate return; the S-Corp's net profit passes through to me, along with a W-2 for my salary. The business does not engage in activities outside my wealth management practice.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Jay Robert Penney's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

AIF^®

Accredited Investment Fiduciary

CFA

Chartered Financial Analyst

CFP^®

Certified Financial Planner

Start date: 1988

Experience

Current

August 25, 2025 - Present

ENCOMPASS MORE ASSET MANAGEMENT LLC

RIA

CRD#: 322382

Scottsdale, AZ

Current

September 3, 2025 - Present

ENCOMPASS MORE INVESTMENTS, LLC

Office #1: 390 Diablo Road Suite #100, Danville, CA 94526

CRD#: 318438

Danville, CA

Past

August 2, 2018 - August 19, 2025

M. S. HOWELLS & CO.

CRD#: 104100

SCOTTSDALE, AZ

Past

August 13, 2016 - August 20, 2018

PEACHCAP SECURITIES, INC.

CRD#: 25590

Scottsdale, AZ

Past

August 12, 2016 - August 19, 2025

ASHTON THOMAS PRIVATE WEALTH

RIA

CRD#: 153902

SCOTTSDALE, AZ

Past

January 2, 2009 - August 16, 2016

GENEOS WEALTH MANAGEMENT, INC.

RIA

CRD#: 120894

SCOTTSDALE, AZ

Past

January 2, 2009 - August 16, 2016

GENEOS WEALTH MANAGEMENT, INC.

CRD#: 120894

SCOTTSDALE, AZ

Past

December 19, 2006 - January 7, 2009

USF ADVISORS, LLC

RIA

CRD#: 130569

HOUSTON, TX

Past

December 15, 2006 - January 7, 2009

USF SECURITIES, L.P.

CRD#: 37942

SCOTTSDALE, AZ

Past

April 25, 2000 - December 20, 2006

CETERA ADVISORS LLC

RIA

CRD#: 10299

SCOTTSDALE, AZ

Past

March 31, 2000 - December 20, 2006

CETERA ADVISORS LLC

CRD#: 10299

SCOTTSDALE, AZ

Past

October 27, 1987 - April 3, 2000

THE ADVISORS GROUP, INC.

CRD#: 14035

BETHESDA, MD

Past

September 3, 1983 - November 20, 1987

LINCOLN FINANCIAL DISTRIBUTORS, INC.

CRD#: 145

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

ENCOMPASS MORE ASSET MANAGEMENT LLC

CRD#: 322382 / SEC#: 801-126102

RIA

Registered Investment Advisory firm - (7/14/2022 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.

Visual representation of state registrations

IAR

Arizona
(8/25/2025)

Arizona
(9/4/2025)

California
(9/3/2025)

Colorado
(9/15/2025)

Hawaii
(9/15/2025)

Nevada
(9/16/2025)

Pennsylvania
(9/16/2025)

Virginia
(9/16/2025)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state. Note: This rule does not apply to broker-dealer activity.

Exams

State Security Law Exam

IAR

Series 65

Date: 5/12/1998

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 8/29/1983

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 12/19/1987

General Securities Representative Examination

General Industry/Product Exam

Series 22

Date: 9/9/1983

Direct Participation Programs Representative Examination

General Industry/Product Exam

Series 6

Date: 8/24/1983

Investment Company Products/Variable Contracts Representative Examination

Principal/Supervisory Exam

Series 24

Date: 6/4/2002

General Securities Principal Examination

SRO Registrations

FINRA

Current Firm

ENCOMPASS MORE ASSET MANAGEMENT LLC

CRD#: 322382 / SEC#: 801-126102

RIA

Registered Investment Advisory firm - (7/14/2022 Approved)

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Contact information

Main Address

390 Diablo Rd Suite 100, Danville, CA 94526

Mailing Address

Phone number

(925) 272-8850

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (47 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

ENCOMPASS MORE ASSET MANAGEMENT LLC ADV BROCHURE (9/17/2025)

Regulatory assets under management

Total Number of Accounts	4,025
AUM (Assets Under Management)	$ 581,910,000

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Firm Stability Insights

Jay R. Penney

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Jay Robert Penney's CRS (Customer Relationship Summary).

Certified licenses

Experience

ENCOMPASS MORE INVESTMENTS, LLC

M. S. HOWELLS & CO.

PEACHCAP SECURITIES, INC.

ASHTON THOMAS PRIVATE WEALTH

GENEOS WEALTH MANAGEMENT, INC.

GENEOS WEALTH MANAGEMENT, INC.

USF ADVISORS, LLC

USF SECURITIES, L.P.

CETERA ADVISORS LLC

CETERA ADVISORS LLC

THE ADVISORS GROUP, INC.

LINCOLN FINANCIAL DISTRIBUTORS, INC.

Primary Firm SEC Registration

ENCOMPASS MORE ASSET MANAGEMENT LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 5/12/1998

Series 63

Date: 8/29/1983

SIE

Date: 10/1/2018

Series 7

Date: 12/19/1987

Series 22

Date: 9/9/1983

Series 6

Date: 8/24/1983

Series 24

Date: 6/4/2002

FINRA

Current Firm

ENCOMPASS MORE ASSET MANAGEMENT LLC

Contact information

SEC notice filing (47 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

ENCOMPASS MORE ASSET MANAGEMENT LLC

TRUST BUT VERIFY

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