Financial Elements, Inc

The firm provides comprehensive financial planning and ongoing consulting alongside discretionary investment management for individual clients (including high‑net‑worth and non‑HNW households), as well as trusts, estates, charitable organizations, and business entities. Services are delivered on a fee‑only basis rather than by commission, with portfolio management for individuals as a core offering.

Its investment approach emphasizes strategic asset allocation informed by Modern Portfolio Theory, building globally diversified portfolios primarily with mutual funds and ETFs and guided by a written Investment Policy Statement for each client; the firm monitors portfolios for rebalancing and longer‑term risk control rather than short‑term trading. The firm typically recommends a major broker‑dealer/custodian for client accounts and discloses receipt of client‑support services from that custodian, and it openly discusses potential conflicts around recommendations such as retirement‑plan rollovers to IRAs it would manage.

Distinctive features include managing roughly $193 million on a discretionary basis while operating as a small, fee‑only advisory practice with multiple professional fiduciary credentials and a NAPFA fee‑only affiliation, which underscores an emphasis on fiduciary advice. The firm recently transitioned to SEC registration, maintains policies that differ from many peers (for example, generally not voting client proxies, not accepting custody except to facilitate fee deductions, and a stated trade‑error reimbursement practice), and discloses conflicts and procedural safeguards in its brochure.