Our clients

Each Elemental client is in a unique situation, with unique needs. To support their goals, we listen carefully, and always with respect, to recommend tailored solutions.

To illustrate how different Elemental services can work together to support client goals, we created a series of hypothetical client profiles. Perhaps you’ll see yourself in one or more of them. It would be our honor to meet with you and learn how we can help.

Business OwnerS

Your enterprise, your legacy – we've got you covered

Retired

Your life's work, your well-deserved reward

Near Retirement

Your future, perfectly in focus

Medical ProfessionalS

Your practice, your patients, your prosperity

Young ProfessionalS

Your career, your dreams, your financial foundation

Executives

Your leadership, your compensation, your legacy

Business owners

Business owners are focused on expanding their enterprise while securing their financial future. Retaining valued employees, navigating complex tax regulations, and planning for succession are critical issues.

Your business and your future

Many of our clients with their own businesses are forced to make a tradeoff between focusing on the growth of their enterprise and carving out time to plan their financial future. With Elemental as their partner, clients can be all-in on their business and be confident that their personal financial plan is in expert hands. Elemental makes it manageable with services designed for business owners.

Retirement planning
We will customize a retirement plan that makes the most of every option available for business owners. These range from cash balance pension plans, defined benefit plans, 401(k) and 457 plans, to executive deferred compensation plans and executive benefits.

Succession planning
Protecting a great business means preparing for the day when new leadership is needed. We’ll develop a succession plan that helps future proof what you have worked so hard to create.

Business continuity planning
Create strategies to maintain business operations in the event of unexpected disruptions or crises.

Tax planning
Every tax dollar saved strengthens your ability to invest and grow. We analyze businesses and their performance to help minimize tax liability.

Insurance
We also research and can recommend the best insurance options for the business owner — including group life, disability and health insurance.

RETIRED

To fully enjoy the fruits of their labor, retirees are focused on preserving their wealth and ensuring they have the resources to live comfortably throughout their retirement years.

Your life and your legacy

As you transition into retirement, your financial needs change and become more complex. With Elemental as your partner, we help you execute the plans you’ve set in place and make necessary adjustments to work towards a comfortable retirement. Our services are designed to help retirees manage their income, optimize Social Security and pension benefits, and plan for healthcare costs.

Distribution strategies
We help you develop a distribution strategy that maximizes your income in retirement while minimizing taxes. By carefully managing how and when to withdraw from various accounts, we help ensure that your funds best support your lifestyle.
Social Security & pension optimization
Deciding when and how to claim Social Security and pension benefits can significantly impact your financial stability. We provide guidance on the best timing and options to help maximize these benefits.
Healthcare and Medicare planning
Healthcare costs can be a significant concern in retirement. We assist in selecting the right Medicare plan and supplements, while also advising on strategies to manage healthcare expenses efficiently.

Long-term care planning
Protect your assets and ensure you receive the care you need later in life. We explore long-term care insurance options and other strategies to safeguard your financial stability in the event of a long-term care need.

NEAR RETIREMENT

When nearing retirement, individuals are in the crucial stage of making decisions that will affect the rest of their lives. Ensuring a smooth transition into retirement while securing their financial future is the primary focus.

Your preparation & peace of mind

As you approach retirement, the steps you take now are vital for your future. Elemental helps you plan strategically, ensuring that your financial situation aligns with your retirement goals. Our services support you in maximizing your income sources and optimizing your plan as you transition to the next stage of your life.

Social Security & pension timing
The timing of when you claim Social Security and pension benefits can greatly influence your retirement income. We help you analyze your options and choose the most advantageous path.

Healthcare & Medicare enrollment
Navigating Medicare and choosing the right healthcare plans are essential as you near retirement. We guide you through the enrollment process and help you select the best options for your needs.

Tax planning
As you prepare for retirement, effective tax planning is crucial. We assist in minimizing your tax liability, allowing you to retain more of your wealth.

Long-term care considerations
Planning for potential long-term care needs is important as you near retirement. We explore various options to protect your assets and help to ensure you are prepared for any eventuality.

MEDICAL PROFESSIONALS

For medical professionals, managing the financial aspects of both personal and professional life can be complex.

Your practice and your protection

Elemental helps to ensure that your financial plan is as strong as your commitment to patient care. Our services focus on asset protection, debt management, and planning for future financial security.

Asset protection
Protecting your assets from potential lawsuits is critical in today’s litigious environment. We provide strategies to safeguard your wealth through the right accounts, trusts, and insurance policies.

Income protection
As a medical professional, your ability to earn a high income is one of your greatest assets. We help you secure that income with appropriate disability insurance and other protective measures.

Debt management
Many medical professionals carry significant student loan debt. We assist in developing strategies to manage and pay down debt while still planning for future financial goals.

Retirement planning
Because medical school means starting your career later than most, it’s important to save a higher percentage of your income for retirement. We help you create a plan that maximizes your savings opportunities and gives you the best chance to retire on your terms.

YOUNG PROFESSIONALS

Young professionals are in the early stages of building their careers and financial foundation. The right guidance can help you establish good financial habits and protect your future.

Your future and your foundation

As a young professional, the financial decisions you make now will impact your future. Elemental is here to help you build a strong financial foundation, with services designed to guide you through budgeting, insurance planning, and retirement savings.

Budgeting and saving
Establishing a budget and saving early are critical for long-term financial success. We help you create a plan that balances your current lifestyle with your future goals.

Insurance planning
Protecting your income and your loved ones is a priority. We assist you in securing the right amount of life and disability insurance to safeguard your financial future.

Retirement planning
The earlier you start saving for retirement, the less you need to save as a percentage of your income. We help you take advantage of retirement accounts like 401(k)s and IRAs, to make tax deferral an important part of your retirement strategy.

Estate planning
As you start a family, estate planning becomes crucial. We guide you in setting up wills, trusts, and other important documents to protect your loved ones.

EXECUTIVES

Executives face unique financial challenges, including managing complex compensation packages and planning for retirement.

Your leadership and your legacy

The financial situation of executives can be more complex than most. Elemental helps you navigate these complexities, ensuring that your compensation, investments, and retirement plans are managed effectively. Our services are tailored to the specific needs of high-income earners with significant responsibilities.

Equity compensation management
Executives often receive a significant portion of their compensation in the form of stock options or restricted stock units (RSUs). We help you manage these assets to maximize their value and minimize tax liability.

Advanced tax planning
High-income earners face unique tax challenges. We provide advanced tax planning strategies to reduce your tax burden and increase your take-home pay.

Investment management
Beyond your company’s retirement plan, we help you invest in other assets to build a diversified portfolio.

Charitable giving
Many executives have a strong interest in giving back through philanthropy. For them, we assist in setting up donor-advised funds or foundations to maximize the impact of their charitable contributions while providing tax benefits.

Meet the Elemental team

Learn more about our team and how we can help you achieve your goals.