About Todd

Todd Cloward is a proud U.S. Army Veteran and seasoned financial advisor with more than 27 years of experience guiding individuals, business owners, and employee groups through retirement planning, investment strategy, and healthcare benefits. His background in Army aviation instilled the discipline, precision, and service mindset that continue to shape his approach to finance today. Inspired by the introduction of strategies like the Roth IRA, Todd entered the financial services industry with a clear purpose: to help others build long-term financial security through clarity and informed planning. 

Throughout his career, Todd has helped clients weather three major economic downturns, offering steady, thoughtful guidance during times of volatility and change. He holds licenses as an Investment Advisor and Investment Companies and Variable Contracts Representative, as well as insurance licenses spanning property, casualty, health, life, accident, and sickness. His academic foundation in accounting, electrical engineering, and aviation equips him with a sharp, detail-oriented lens for problem-solving and financial analysis. 

At Encompass More, Todd specializes in developing customized financial strategies for business owners and their teams, aligning every plan with the client’s short- and long-term goals. He is known for his calm demeanor, active listening, and commitment to delivering practical, value-based solutions. More than a financial advisor, Todd is a trusted partner who brings insight, integrity, and care to every relationship—an approach rooted in how he once served his very first client: his father. 

Outside of work, Todd enjoys fishing, hiking, and spending quality time with his family. A music enthusiast, he also volunteers with an employee benefits agency, promoting wellness and financial literacy within the community. His mission is simple: to serve with empathy, provide clarity, and help clients protect what matters most.