Elements 5 Investment Management is a registered investment advisor founded in 2013 and owned by David B. Schram, who holds credentials including the Certified Financial Planner designation. The firm provides comprehensive financial planning, ongoing financial planning advice, project-based financial consulting, and discretionary investment management services. Elements 5 focuses heavily on working with business owners, pass-through entities, entrepreneurs, and retirees, helping them navigate complex financial situations like business transitions, tax strategy, and retirement planning. The firm operates under a strict fiduciary standard, meaning Elements 5 is legally required to act in your best interest at all times. Investment management portfolios are constructed using strategic asset allocation principles, modern portfolio theory, and low-cost diversified funds, exchange-traded products, individual securities, and occasionally options. Elements 5 utilizes Charles Schwab as its primary custodian and broker-dealer for client accounts.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.00% |
| $500K - $1.0M | 1.00% |
| $1M+ | 1.00% |
Accounts up to $500,000 are subject to a $5,000 annual minimum fee (which includes basic financial planning). Fees may be negotiable based on family accounts or pre-existing relationships.