Elm3 Financial Group, LLC

Elm3 Financial Group, LLC, a registered investment adviser established in 2006 by Stacey Nickens, offers portfolio management, investment advisory, and financial planning services. The firm focuses on individualized investment advice, with a preference for building client portfolios through individual bonds and equities for tax efficiency and fee avoidance. Elm3 aims to align investment strategies with client goals, emphasizing risk minimization and ongoing portfolio review. The firm manages regulatory assets totaling $159,125,234 as of December 31, 2024, with both discretionary and non-discretionary management options available. Elm3 charges investment advisory fees based on a percentage of assets under management, ranging from 0.70% to 1.25%. Financial planning services are offered on a flat-fee or hourly basis, ranging from $600 to $5,000. Elm3 does not charge performance-based fees and generally serves individuals, families, businesses, trusts, and estates without imposing minimum account size requirements. The firm's investment analysis incorporates cyclical, technical, and fundamental approaches, focusing on diversified asset allocation and proactive management strategies. Clients are encouraged to review financial plans and objectives regularly, with account monitoring conducted quarterly. Elm3 does not compensate for referrals and does not accept referral fees. The firm does not vote client proxies and does not have financial conditions that may impair meeting client commitments.