St. Augustine, FL Office

Element Wealth provides discretionary and non‑discretionary investment management, financial planning, and consulting to individuals, high‑net‑worth clients, qualified retirement plans, trusts, estates, and charitable organizations. The firm also serves as a sub‑adviser for another registered investment adviser and acts as an ERISA 3(38) investment manager for employer‑sponsored retirement plans.

Portfolios are constructed using three primary strategies: smaller and retirement plan accounts are generally managed with mutual funds and ETFs, while larger accounts may use individual securities and ETFs; model portfolios and ongoing rebalancing are part of the process. Asset allocation decisions incorporate an intermediate‑term relative strength approach and technical analysis, and the firm may place smaller accounts on an external platform (Betterment) to access lower‑cost strategies.

Element Wealth is wholly owned by an insurance agency, and some advisory personnel are licensed insurance agents who may earn separate commissions for insurance product sales; this ownership and the potential for commission income are disclosed as conflicts of interest. The firm also maintains referral arrangements with affiliated accounting professionals and pays referral and employee incentive fees in certain cases, creating additional financial incentives that are disclosed in the brochure.