Your employer offers valuable benefits—but are you making the most of them? At Elm3 Financial Group, we provide expert guidance to help you understand, evaluate, and optimize your workplace benefits so you can build long-term financial security.

How We Can Help

• 401(k) Allocation & Retirement Planning – We help you choose the right investment allocations based on your goals, risk tolerance, and timeline to ensure you’re on track for retirement.
• Life Insurance Selection – Understanding employer-provided life insurance options can be complex. We’ll walk you through coverage levels and supplemental policies to ensure your loved ones are protected.
• Disability Insurance Evaluation – We help you assess your short-term and long-term disability coverage so you’re financially prepared in the event of illness or injury.
• Health Savings Accounts (HSA) & Flexible Spending Accounts (FSA) – Learn how to take advantage of tax-advantaged accounts to save on medical expenses.
• Stock Options & Employee Benefits Packages – If your employer offers stock options, profit-sharing, or other benefits, we’ll help you understand how to leverage them for financial growth.

Why Work with Elm3 Financial Group?

🔹 Accessible Advice – We simplify the fine print and help you make informed decisions.
🔹 Personalized Guidance – We tailor our recommendations to fit your unique financial situation and goals.
🔹 Maximize Your Benefits – We work to ensure you’re taking full advantage of what your employer offers to boost your financial well-being.