Elevate Planners

Elevate Planners is a single‑adviser, SEC‑registered independent advisory firm that provides comprehensive financial planning and ongoing portfolio management for individuals and also accepts small-business and corporate retirement clients, including pension and profit‑sharing plans. Services encompass broad-based and modular planning across cash flow, retirement, tax, estate, education, and special‑needs topics, together with continuous supervision of client investments.

The firm’s investment work combines active management and Modern Portfolio Theory‑informed allocation, tailoring portfolios to each client’s risk tolerance, time horizon, and constraints, and it may delegate discretionary management to sub‑advisers when appropriate. For clients seeking active strategies, the firm sponsors a wrap fee program that integrates portfolio management and transaction execution into a single asset‑based arrangement described in a separate program brochure.

Distinguishing features for a solo independent adviser include sponsorship of a wrap fee program and in‑house insurance activity: the firm’s principal holds an insurance agent license and may receive commissions and renewal compensation for insurance or annuity transactions (reported as about up to 5% of the principal’s time). The firm also provides pension consulting and retirement plan services under ERISA §3(38) (discretionary) and §3(21) (non‑discretionary) arrangements, a mix of services that is relatively uncommon among peers.