LET'S BUILD
YOUR FUTURE
TOGETHER.
Strategy
Welcome
to Elemental Wealth Group
We started Elemental because families deserved better — better advice, real attention, and a team whose incentives are aligned with theirs. Always.
Planning for retirement — and navigating everything that comes after — is what we help our clients do every day. It's our privilege to put their financial lives on an integrated, strategic path and to be there for every decision in between. Almost nothing you bring us is something we haven't already walked another family through — and that's the point.
Whether you're building toward retirement, growing a business, or protecting a legacy, our founding team — two finance professors and a longtime advisor — works directly with you. No junior hand-offs. No call centers. No products to sell.
We're professionals, but this is personal. We treat your plan the way we treat our own families' plans.
At Elemental Wealth Group, we bring every element of your financial life under one small, dedicated team — investments, taxes, estate, insurance, and the decisions that connect them.
What's Inside
- 04How We Work Together
- 05The Elemental Difference
- 06Who We Serve
- 07Retirement Planning
- 08Services for Business Owners
- 09Services for Executives
- 10Legacy Planning
- 11Strategic Wealth Accumulation
- 12Your Leadership Team
Our research has been featured in
No matter where you are on your journey
to financial freedom, we're glad you're here.
Finding the right financial partner makes a huge difference. Someone you trust to help make decisions with your best interests at heart. With all the expertise you need for financial planning, investment management, legacy planning, and much more. Getting this help should mean less worry, and more time to do the things you love.
That's the work. Not chasing returns. Not predicting markets. Building a plan that actually holds together — across the decades you'll spend living off what you've built.
Our financial planning and investment management services are 100% fee-only — no commissions, no product sales, no hidden costs. Where a client's plan calls for insurance, we can recommend and coordinate policies with any related compensation fully disclosed. As independent fiduciaries, every recommendation we make is designed to benefit you first.
We've got you covered so you can live your best life. It's Elemental!
The Elemental Difference
At the large firms, the researchers rarely meet clients, and the advisors juggle too many relationships to give any of them real attention. At Elemental, our founding team — two finance professors and a longtime advisor — works directly with every client. The researchers are your advisors. The people who'll answer your call are the same people whose names are on the peer-reviewed research papers.
How we work together
Art & Science
We combine human insight with academic rigor. Without dreams, the best portfolio lacks purpose. Without science, dreams remain unreachable.
Aspirations Mapping
Before we look at a single number, we listen. What does your ideal future look like? When would you like the option to stop working — or to keep working but only because you choose to? What do you want your wealth to make possible — for you, and for the people you love? Your answers become the compass for every decision that follows.
Asset Mapping
Then we map every account, asset, liability, insurance policy, and beneficiary designation — in one picture. From there we design a strategy grounded in decades of peer-reviewed research, integrated with your tax situation, estate structure, and insurance protections.
Education First
A plan you don't understand is a plan that's harder to stay committed to. We take the jargon out and walk you through every decision so you can answer "why are we doing this?" before we do it.
Who We Serve
Building futures at every stage.From early career to retirement and beyond — we partner with individuals, couples, and families at every stage of their financial journey. For some the goal is retirement in the traditional sense. For others, it's the freedom to keep working because they want to. We plan for both.
Retirees & Pre-Retirees
Optimize income, manage taxes, plan for healthcare, and secure your legacy.
Medical, Dental, & Executive Professionals
Complex compensation, high tax exposure, and demanding careers. We handle the parts of your financial life that don't fit a template.
Business Owners
Personal wealth integrated with business planning — succession, retirement vehicles, tax coordination, and continuity strategy.
Growing Families
College savings, homeownership, insurance reviews, and building a safety net.
Young Professionals
Foundational planning, tax-advantaged savings, insurance coordination, and long-view investment strategy — because starting well is worth more than starting big.
Retirement Planning
Retirement is a withdrawal strategy, not a savings finish line.For some clients the goal is retirement in the traditional sense — a clear stop, then a new chapter. For others, it's the freedom to keep working because they want to, not because they have to. The strategy must be built either way.
Many people reach retirement with the savings part intact — and the rest of it not figured out at all. That's the work. Tax-efficient withdrawal sequencing, Social Security timing, Medicare and supplemental planning, long-term care, and the part nobody likes to talk about: what changes when one spouse passes first.
Key services:- Which account, when: The order in which you draw from retirement, brokerage, and Roth accounts can meaningfully extend how long your savings last.
- Proactive tax planning: Planning beyond today — addressing future tax brackets, Roth conversions, RMDs, and legacy.
- Social Security strategy: Timing decisions that can meaningfully affect lifetime income.
- Medicare & healthcare: Coverage decisions and cost projections through retirement.
- Long-term care: Insurance analysis and self-funding strategies.
- Survivorship planning: Proactive strategies for when one spouse passes or one income disappears.
- Advisor coordination: We streamline communication and collaboration among your accountant, estate attorney, and other professionals – ensuring cohesion across your financial plan.
Legacy Planning
Your values and your wealth — a lasting impact.Your legacy is more than financial wealth — it's the values and memories you leave behind. We help ensure your estate is managed according to your wishes, with strategies to minimize taxes and administrative burdens.
We work alongside your legal and tax advisors to create a cohesive plan — whether that's providing for family, supporting causes you believe in, or building a lasting financial foundation for future generations.
Key services:- Estate document coordination: Wills, trusts, special needs planning, and power of attorney — ensuring assets are distributed according to your wishes.
- Beneficiary alignment: Ensuring named beneficiaries actually match your intent — because they override the will.
- Tax-efficient gifting: Transfer strategies to minimize estate tax burden through gifting and trust structures.
- Charitable giving: Donor-advised funds, charitable remainder trusts, and structured giving to maximize your generosity.
- Family governance: Wealth education and responsible stewardship through family meetings and financial education.
Strategic Wealth Accumulation
Portfolios built from evidence — and from what we know about you.We don't predict markets. We don't run a model that promises a number. What we do is build portfolios grounded in decades of peer-reviewed research on what actually drives long-term returns — diversification, low cost, tax efficiency, disciplined rebalancing, and a portfolio you'll stay committed to when markets get turbulent.
Growing wealth isn't about chasing trends — it's about disciplined, research-driven strategies tailored to your situation.
Key services:- Evidence-based portfolios: Grounded in academic research, not market prediction or hot trends.
- Strategic asset allocation: Diversified across asset classes, geographies, and sectors to help weather volatility.
- Regular portfolio reviews: Adapting to market changes, tax-loss harvesting, and evolving goals.
- Risk capacity vs. tolerance: The risk you can afford to take versus the risk you can sleep with — they aren't always the same.
- Advisor coordination: Your CPA, your attorney, your advisor — on the same page.
Ready to talk?
A 30-minute conversation. No preparation.
No pressure. No obligation.
We'll ask about your life and what you're working toward. You'll learn how we work and whether we're the right fit. If we are, we'll outline next steps. If we're not, you'll still leave with a clearer view than you came in with.
Serving families across the country — often through virtual meetings, and in person when it makes sense for you.
Notes and Disclosures
Investors should discuss their individual situation with their financial advisor to find the right balance between risk and potential reward. Asset allocation and diversification are designed to help manage investment risk, but cannot assure a profit or the avoidance of loss. Elemental Wealth Group and LexAurum make no predictions, representations, or warranties herein as to the future performance of client portfolios. Past performance is never a guarantee of future results.
Equity investment options involve greater risk, including heightened volatility, than fixed-income investments. Fixed income investments are subject to interest-rate risk, and their value may decline as interest rates rise. Alternative investment performance may be less correlated to standard market returns but this lack of correlation cannot assure a profit or avoid a loss. Advisory Services offered through LexAurum Advisors, LLC, an SEC-registered Investment Adviser. LexAurum Advisors LLC and Elemental Wealth Group are not affiliated companies.
Not FDIC Insured | May Lose Value | No Bank Guarantee