Solutions for any situation…

Element Pointe is a fee-only advisor, meaning that we are compensated only by our clients. We do not accept nor receive commissions from fund companies, investment sponsors, or brokers in connection with the products that we recommend.

Banks and brokerage firms often refer to their services as fee-based. This is not the same as fee-only. Fee-based advisors at banks and brokerages may receive commissions and other compensation from investment sponsors and fund companies for the distribution of investment and banking products in addition to collecting management fees from you, the client. As a fee-only advisor, our decisions are guided solely by what we believe is in your best interest.

Safeguarding your assets is of paramount importance to us. We work with a select group of financial institutions who serve as qualified custodians, including Fidelity Investments and Charles Schwab & Co., who are entrusted to ensure the safety and security of our clients’ assets. Utilizing the services of these qualified custodians helps to ensure the safeguarding of your assets by having them held at a financial institution that is independent of Element Pointe. For families or family offices who have another preferred global custodian, we also have the ability to integrate our investment management services with a wide range of global custodians and platforms.

Element Pointe recognizes that each family has a unique set of needs, goals, and preferences. We create personalized investment plans and deliver financial advice tailored to you.

Our portfolio construction process begins with strategic asset allocation by creating a portfolio that is diversified across various asset classes in order to achieve a balance between risk and return that we believe aligns with your goals and risk tolerance.

We complement our strategic asset allocation with shorter-term tactical allocation decisions based on our views of market and economic conditions.

Our investment team conducts extensive third-party manager research to identify and select the funds and managed strategies utilized in our clients’ portfolios. Managers and portfolios are regularly monitored and reviewed based on numerous quantitative and qualitative attributes and factors.

Expenses matter. We carefully evaluate and analyze investment expenses, keeping a watchful eye on the underlying costs of funds and products, with the goal of building cost-efficient portfolios.

Our clients are regularly updated on our investment views and portfolio positioning through market commentary produced by our internal investment team, including written publications and webinars.

We evaluate factors such as your risk tolerance, liquidity needs, income requirements, and time horizon to build customized portfolios consistent with your goals. Portfolio volatility for each client is then regularly monitored and analyzed for alignment with your risk-return objectives.

We provide you with access to a wide range of alternative investment opportunities specifically chosen to align with your needs and objectives. Unlike banks and brokerage firms, we never earn commissions on the sale of funds. Banks, broker-dealers, and their representatives often receive compensation in the form of placement fees, rebates, and retrocessions from private equity firms for recommending funds. Because we do not accept such payment arrangements, we have access to a wider array of sponsors and fund strategies.

As an advisor to ultra-high net worth families, we often conduct evaluations of potential private investments, either recommended by our firm or brought to us by our clients. This can include reviewing financial statements and deal documents, in-person meetings with fund managers or private company management, administering and reviewing due diligence questionnaires and other relevant information to assess the potential risks and merits of the investment.

We leverage our investment expertise and access to world-class research and technology to provide our clients with customized portfolio management strategies and advice. Learn more about our Investment Management services.

Element Pointe recognizes that the financial planning needs of ultra-high net worth families extend beyond the scope of traditional retirement planning. Our team includes experienced financial planners who work directly with you to develop tailored wealth strategies that incorporate tax planning, estate planning, cash flow analysis, insurance strategies, and philanthropic goals.

Our team has extensive experience working with entrepreneurs who are selling a business. We understand the nuances and considerations that come with this type of transaction. We provide our clients with guidance on the entire sales process, from tax and estate considerations, to education on meeting with investment banks and hiring an investment banker to, ultimately, post-transaction investment management and financial planning. Our personalized approach ensures that we consider your goals, concerns, and objectives throughout the entire process.

We have deep expertise working with clients and their legal and tax advisors on complex estate planning and structuring. We also serve as an investment manager for trusts administered by various corporate trustees. As the trusted advisor to your family, Element Pointe can coordinate activities amongst your trustees, legal and tax advisors, and other key stakeholders. We make it easier for you to keep track of your finances by aggregating information from multiple third-party providers (e.g., year-end tax documents, K-1s, 1099s, etc.) and collaborating with your legal advisors, trustees, and accountants to ensure cohesive planning and execution.

As an independent advisor, our open architecture gives you broad access to the banking landscape for all of your lending needs. We leverage our many institutional banking relationships to obtain and compare rates and terms from various lenders, advocating on your behalf for the most competitive rates and financing terms. Our lending and transactional experience includes advising on:

• Mortgages
• Securities-based lending
• Aircraft financing
• Yacht financing
• Dividend recapitalizations for business owners
• Credit card selection and analysis

Safeguarding your assets is of paramount importance to us. We work with a select group of financial institutions who serve as qualified custodians, including Fidelity Investments and Charles Schwab & Co., who are entrusted to ensure the safety and security of our clients’ assets. Utilizing the services of these qualified custodians helps to ensure the safeguarding of your assets by having them held at a financial institution that is independent of Element Pointe. For families or family offices who have another preferred global custodian, we also have the ability to integrate our investment management services with a wide range of global custodians and platforms.

Element Pointe provides you with access to sophisticated technology resources that aggregate, monitor, and track your accounts, including not only those managed by our firm, but also accounts outside of our management. Learn more about Element Pointe’s technology resources:

• Addepar
• eMoney

We provide guidance and work closely with your legal and tax advisers on the creation of legal entities such as trusts, family partnerships and LLCs, foundations, and other entities that comprise a family office structure. Additionally, we work closely with your family on intra-family communication and decision-making to help develop a holistic approach to family governance. The objective of family office structuring and governance is to help ensure that your family’s wealth is preserved and grown for generations, through effective planning, investment, and risk management strategies.

We believe that having an educational framework for family wealth can help ultra-high net worth families educate their children and increase the sustainability of generational wealth. We provide opportunities for the next generation to learn about topics such as family governance, investing, philanthropy, personal finance and financial responsibility, and personal and professional development.

Our team provides advice in addressing your philanthropic goals and crafting a strategy to help guide your family in supporting the organizations and causes that are important to you. Our team has experience utilizing philanthropic vehicles such as Donor-Advised Funds, Private and Public Foundations, and Charitable Trusts to design solutions to meet your family’s philanthropic-giving objectives.

We work closely with you and your legal, tax, and insurance advisors to review all current insurance policies in place for your family in order to identify any gaps in your risk management strategy. Following our review, we can assist you in identifying the appropriate insurance providers and brokers to help address your insurance needs. We do not sell insurance, nor do we receive any compensation from third-parties for such recommendations. We can therefore remain aligned with you as your advisor throughout the process.