Our financial planning services range from targeted plans for a specific short-term need to comprehensive plans that factor in every moving part of your life. We include personal account planning, risk minimization, disciplined money management, year-round tax evaluation, and complete portfolio review to provide comprehensive financial solutions in the short- and long-term.

Retirement

Accounting for all possible income sources, Elm3 provides a projection of anticipated retirement income and an evaluation of the distribution alternatives for qualified retirement plans in order to help you plan for independence and long-term security.

Education

Elm3 can help you plan to finance your children’s education by providing a realistic projection of the costs, evaluating sources of funding from trusts, family gifts, student grants, student earnings and family contributions, and contrasting optional account ownership.

Estate

We can review family holdings — including property, employment interests, inheritance, ownership interests and current legal documents — as well as assist you in the calculation of settlement expenses and taxes.

Investments

Our team will conduct an in-depth analysis of current investment holdings and allocations to determine the correct strategy for your objectives, thus bringing your goals and assets into alignment.

Debt Management

Our team will provide shame-free guidance on reducing and managing debt effectively. Debt can be incredibly stressful, but it does not need to define or control you. Our debt management program includes budget planning, debt consolidation strategies, and creating personalized repayment plans to help clients regain financial stability.

Workplace Benefits

Our team can support you in navigating your workplace benefits package. We can support with retirement plan management, insurance selection, tax planning, and more, such that you can work towards maximizing your employer-provided benefits.

State and Federal Welfare Programs

Navigating state and federal welfare systems can be overwhelming, but you don’t have to go through it alone. Our team offers affordable support and coaching to help individuals and families apply for and maintain critical benefits that provide financial relief and security. We have experience in supporting clients as they navigate Medicare, Medicaid, Social Security retirement benefits, Social Security Disability (SSDI and SSI), SNAP (Supplemental Nutrition Assistance Program), and more.