Todd J. Cloward

ENCOMPASS MORE ASSET MANAGEMENT LLC

Payson, UT

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CRD#: 3158409

Professional summary

Todd Jay Cloward, who also goes by Todd Cloward, is a registered financial advisor currently at ENCOMPASS MORE ASSET MANAGEMENT LLC located in Payson, Utah and ENCOMPASS MORE INVESTMENTS, LLC located in Danville, California.

Todd is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1999. Todd has worked at 6 firms and has passed the Series 65, Series 63, SIE, Series 6 and Series 26 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Todd Cloward

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) Strategic Advantage Benefits, LLC; Not investment Related; P.O. Box 667, Payson, UT 84651; Insurance Benefits agency for fixed insurance products from the insurance industry for employee groups; Owner; Start: 06/20/1998; 35 hrs./wk. during trading hrs.; Sales, service, and enrollments. 2) Encompass More Asset Management, LLC; Investment related; 390 Diablo Rd Ste 100, Danville CA, 94526; Registered Investment Advisor; Investment Advisor Representative; 12 hrs./wk. during trading hours; Determine customer needs and advises on investments and strategies.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Todd Jay Cloward'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®

None

Experience

Current

January 27, 2023 - Present

ENCOMPASS MORE ASSET MANAGEMENT LLC

RIA

CRD#: 322382

Payson, UT

Current

February 16, 2023 - Present

ENCOMPASS MORE INVESTMENTS, LLC

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

CRD#: 318438

DANVILLE, CA

Past

January 6, 2012 - January 24, 2023

TRANSAMERICA FINANCIAL ADVISORS, LLC

RIA

CRD#: 16164

SO. JORDAN, UT

Past

January 6, 2012 - January 24, 2023

TRANSAMERICA FINANCIAL ADVISORS, LLC

CRD#: 16164

SO. JORDAN, UT

Past

June 22, 2007 - January 6, 2012

INVESTMENT ADVISORS INTERNATIONAL, INC.

RIA

CRD#: 139233

SO. JORDAN, UT

Past

April 12, 2002 - January 6, 2012

WORLD GROUP SECURITIES, INC.

CRD#: 114473

SO. JORDAN, UT

Past

January 20, 1999 - April 12, 2002

WMA SECURITIES, INC.

CRD#: 32625

DULUTH, GA

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

California
(2/16/2023)

Colorado
(2/16/2023)

Pennsylvania
(2/16/2023)

Texas
(2/16/2023)

IAR

Utah
(1/27/2023)

Utah
(2/16/2023)

Washington
(2/16/2023)

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: 6/7/2007

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 1/25/1999

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 6

Date: 1/18/1999

Investment Company Products/Variable Contracts Representative Examination

Principal/Supervisory Exam

Series 26

Date: 7/25/2000

Investment Company Products/Variable Contracts 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

Todd J. Cloward

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Todd Jay Cloward's CRS (Customer Relationship Summary).

Certified licenses

Experience

ENCOMPASS MORE INVESTMENTS, LLC

TRANSAMERICA FINANCIAL ADVISORS, LLC

TRANSAMERICA FINANCIAL ADVISORS, LLC

INVESTMENT ADVISORS INTERNATIONAL, INC.

WORLD GROUP SECURITIES, INC.

WMA SECURITIES, INC.

Primary Firm SEC Registration

ENCOMPASS MORE ASSET MANAGEMENT LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 6/7/2007

Series 63

Date: 1/25/1999

SIE

Date: 10/1/2018

Series 6

Date: 1/18/1999

Series 26

Date: 7/25/2000

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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