Elements®

Ongoing
Financial Planning Made Easy

Elements® — the future of simplified financial growth.

Elements® is a system we use to give you a more complete and accurate view of your financial situation, and a proven methodology for making smarter financial decisions.

See a Sample Report

Element’s® monthly reports will keep us on the same page, prompt regular conversations about your goals and progress, and offer objective data to help us make the best decisions for your finances.

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81%

48%

Er

Equity Rate

Your Score

81%

Er

Equity Rate

Average

48%

Indicates whether your current investments may involve too much volatility risk for your age and spending levels.

Equity rate (Er) is calculated by dividing your equity investment holdings by the total amount of investable assets you own.

Equity Holdings

Total Investible Assets

61%

74%

Es

Estate Status

Your Score

61%

Es

Estate Status

Average

74%

Helps determine how prepared you are to answer end-of-life financial questions.

Estate status (Es) is calculated by dividing the current amount of estate planning you’ve completed and had reviewed by the amount of estate planning you still need.

Current Estate Planning

Recommended Estate Planning

77%

80%

Ir

Insurance Rate

Your Score

77%

Ir

Insurance Rate

Average

80%

Measures how much insurance you have compared to how much you potentially need based on your annual spending and net worth.

Insurance rate (Ir) is calculated by dividing the life and disability insurance coverage you have by the coverage you still potentially need.

Coverage Held

Coverage Potentially Needed

4.8

4.0

Lt

Liquid Term

Your Score

4.8

Lt

Liquid Term

Average

4.0

Estimates the number of years you could live on cash or cash-like assets outside of retirement plans. Also indicates the amount of after-tax money you could access if needed.

Liquid term (Lt) is calculated by dividing your total liquid assets by your estimated annual personal spending.

Total Liquid Assets

Estimated Annual Spending

5.1

0.9

Qt

Qualified Term

Your Score

5.1

Qt

Qualified Term

Average

0.9

Estimates the number of years you could live on the assets you have within qualified retirement plans, HSA plans, etc.

Qualified term (Qt) is calculated by dividing your total qualified retirement investments by your estimated annual personal spending.

Total Retirement Accounts

Estimated Annual Spending

8.0

2.8

Rt

Real Estate Term

Your Score

8.0

Rt

Real Estate Term

Average

2.8

Estimates the number of years you could live on your current real estate equity and how much of your wealth is concentrated in real estate.

Real estate term (Rt) is calculated by dividing the sum of all your personal and investment real estate equity by your estimated annual personal spending.

Total Real Estate Equity

Annual Personal Spending

21.4

9.4

Tt

Total Term

Your Score

21.4

Tt

Total term

Average

9.4

Estimates the number of years you could live on your current assets (cash, investments, business value, real estate equity, etc.) if they didn’t grow.

Total term (Tt) is calculated by dividing your current net worth by your estimated annual personal spending.

Current Net Worth

Estimated Annual Spending

17%

19%

Sr

Savings Rate

Your Score

17%

Sr

Savings Rate

Average

19%

Indicated how much of your income is being saved for future expenses, emergencies, and retirement. Also an indicator of your overall financial security.

Savings rate (Sr) is calculated by dividing your total annual savings by your total annual income. Savings include deposits made to investment accounts and other savings accounts.

Total Annual Savings

Total Annual Income

32%

43%

Br

Burn Rate

Your Score

32%

Br

Burn rate

Average

43%

Indicates how much of your income you’re using for personal expenses. This can help you understand everything from spending patterns to future preparedness.

Burn Rate (Br) is calculated by dividing your personal annual spending by your personal annual income. It indicates how much of your income is used for personal expenses.

Estimated Annual Spending

Total Annual Income

21%

35%

Dr

Debt Rate

Your Score

21%

Dr

Debt rate

Average

35%

Indicates whether you’re dealing with a healthy amount of debt for your individual circumstances.

Debt rate (Dr) is calculated by dividing your total personal and business debt payments by personal income.

Total Annual Debt Payments

Total Annual Income

31%

22%

Tr

Tax Rate

Your Score

31%

Tr

Tax Rate

Average

22%

Indicates how much of your personal income you’re paying toward taxes.

Tax rate (Tr) is calculated by dividing your total personal taxes by your total annual income.

Total Annual Taxes Paid

Total Annual Income

20%

24%

In

Income Rate

Your Score

20%

In

Income Rate

Average

24%

Indicates what you’ve done with your resources by showing the percentage of your income that you’ve converted into net worth in your lifetime.

Income rate (In) is calculated by dividing your current net worth by your total estimated lifetime income.

Current Net Worth

Total Estimated Lifetime Income

A wheel showing which elements are focused on according to each month of the year.Elements Logo
schedule

Addressing your financial health indicators on a recurring schedule

Each month our advisors systematically focus on one of the Elements to help you improve your financial health. Our advisors generate robust, beautifully designed, easy-to-follow reports featuring the very latest stats and scores on each Element of your overall financial wellness.

Of course, if an urgent financial need arises, our advisors will address it. But, the general pattern of highlighting one Element each month ensures that nothing falls through the cracks as they help you improve your holistic financial health.

how

Upfront review, proactive on-going support

Here’s how we’ll guide you through the process to ensure you make progress.

01

Organize

Together, we’ll gather and organize your financial information upfront and then keep in touch to make sure it stays current.

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Lt
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Rt
Tt
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Br
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In

02

Analyze

We’ll analyze each Element of your financial health every month. That includes:

  • Detailed Audit
  • A score for each Element
  • Peer Benchmarking  and against yourself over time
  • A review of related Elements®
  • Quarterly Net Worth Statements
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03

Decide

We’ll review your Elements® performance summary, decide if any adjustments would optimize your plan, and share any recommendations with you by email, video, or phone.

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04

Act

As the point person on your financial plan, your advisor will:

  • Assign action items to our internal team
  • Facilitate conversations with your other service professionals
  • Introduce you to approved industry partners
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