Elm3 Financial Group, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$187,518,126
Clients
282
Advisors
3
across 2 offices
About
Elm3 serves individuals and families—including high‑net‑worth clients—as well as trusts, estates and small businesses, providing discretionary portfolio management, ongoing investment advice, financial planning, and stand‑alone consulting such as Social Security planning. The firm offers both ongoing investment management and one‑time or hourly financial planning engagements.
The firm describes an active, multi‑disciplinary investment approach that combines top‑down macro, technical and fundamental analysis with both short‑term trading tools (short positions, options, and ETFs for hedging and sector rotation) and a diversified long‑term core allocation that includes individual bonds and equities to enhance tax efficiency and avoid fee layering. Elm3 monitors accounts regularly and emphasizes tax‑aware portfolio construction and opportunistic trading alongside patient, core wealth‑building positions and some exposure to alternatives.
Elm3 is notable for its formal affiliation with a separate tax and accounting business created in 2022, to which the firm may refer clients for tax preparation, tax planning, and small‑business accounting services (the affiliate is paid on an hourly basis), a relationship the firm discloses as a potential conflict of interest. The firm also requires clients to custody assets through Fidelity’s institutional platform and describes operational practices such as block trading and custodian‑debited advisory fees, which may affect trade execution and reporting.
Client services
Expertise
Occupation focus
Fee options
Flat fees ranging from $600 to $5,000 for financial planning and consulting services, quoted in advance.
$0 - $1,000,000: 1.25% $1,000,001 - $3,000,000: 1.00% $3,000,001 - $5,000,000: 0.80% $5,000,001+: 0.70%
Insurance commissions earned by licensed insurance agents affiliated with the firm, separate from advisory fees.
Hourly rates up to $325 per hour for financial planning and consulting services.
Fee-only: Flat fees ranging from $600 to $5,000 depending on service scope and complexity. Hourly rates up to $325 per hour for financial planning and consulting services.
Main office
See office5755 North Point Pkwy, Suite 92
Alpharetta GA 30022-1145
Advisors at this office
2
Offices (2)
Most active in
Colorado · Florida · Georgia · Illinois · Maryland · North Carolina · Tennessee · Texas
Also doing business as
American Money Management · American Money Management, LLC · American Tax & Financial Group, LLC · Atfg · Elm3 Financial Group, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Monica L
Series 65
Alpharetta, GA
Elm3 Financial Group, LLC
Monica Ladson is a financial advisor at Elm3 Financial Group, LLC, holding a Series 65 credential. She has three years of industry experience, including prior roles at Club DiOGi and CVS Health. In addition to her advisory work, Monica supports Elm3 CPA Tax and Accounting in an administrative capacity. Elm3 Financial Group serves individuals, families, trusts, estates, and small businesses, providing discretionary portfolio management, financial planning, and consulting services. The firm employs an active, multi-disciplinary investment approach that integrates macro, technical, and fundamental analysis with tax-aware portfolio construction and opportunistic trading.
Stacey N
CFP®, Series 65
Alpharetta, GA
Elm3 Financial Group, LLC
Stacey Nickens is a CFP® with 20 years of industry experience, currently serving at Elm3 Financial Group, LLC since 2006. In addition to her advisory role, she owns and operates Elm3 CPA, a tax, payroll, and bookkeeping service, as well as Sweet Clover Creek Farm, a small livestock and vegetable farm, and Big Pine Landscaping LLC. Elm3 Financial Group serves individuals and families, including high-net-worth clients, as well as trusts, estates, and small businesses, offering discretionary portfolio management, financial planning, and consulting. The firm employs an active, multi-disciplinary investment approach combining macro, technical, and fundamental analysis with tax-aware portfolio construction and opportunistic trading.
Margaret N
CFP®, Series 65
Commerce City, CO
Elm3 Financial Group, LLC
Margaret Nickens is a CFP® with four years of industry experience, currently serving as a financial advisor at Elm3 Financial Group, LLC. She has worked at Elm3 since 2020 and previously held roles in the education sector. In addition to advising, she provides payroll services for Elm3 CPA, Tax and Accounting, assisting small businesses with tax, bookkeeping, and payroll functions. Elm3 Financial Group serves individuals, families—including high-net-worth clients—trusts, estates, and small businesses with discretionary portfolio management, financial planning, and consulting. The firm employs an active, multi-disciplinary investment approach that combines macro, technical, and fundamental analysis with tax-aware portfolio construction and opportunistic trading strategies.
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