Elements

Elements is a financial planning platform for advisors who need to turn a client’s financial picture into a clear, ongoing conversation. It suits solo advisors and teams seeking repeatable client reporting and tracking; firms with more than five clients will need a paid plan.

Overview

Elements centers on Financial Vitals: 11 metrics that summarize a client’s financial story. Scorecards, client-facing visuals, and longitudinal tracking help advisors communicate not just a snapshot, but how financial health changes over time. The emphasis is on advice delivery and client communication rather than a broad description of investment management.

Its roster view adds a useful firm-level perspective: advisors can compare, sort, and filter client Scorecard metrics, and use aggregate data to benchmark prospective client health. That makes Elements more compelling for practices that want a consistent way to assess and communicate across a book of clients than for someone seeking only a standalone planning calculator.

Key features

Planning and progress reporting

One-Page Plans and automated Scorecard Progress Reports provide concise ways to summarize advice and show changes in financial health. These workflows are suited to advisors who want recurring client-facing updates; the product’s value depends on whether a practice wants its advice and progress organized around Elements’ Scorecard approach.

Onboarding and communication

Easy Invites, prospect onboarding, and tools for advisor marketing and client service support the journey from prospect to ongoing client. A client portal is also included. Together, these make the platform a workflow tool as well as a dashboard, although the published plan details place messaging and mobile tools in Pro rather than Core.

Connections and controls

Elements says it partners with Plaid, Morningstar, and Zapier for account updates and connections to other systems. AI Connections is an opt-in beta for eligible firms with AI enabled; its MCP connection is read-only, and advisors must review and approve requested permissions. The privacy policy says information is stored on secure servers behind firewalls and payment transactions are encrypted, while cautioning that internet transmission cannot be guaranteed completely secure.

Pricing

All plans are month-to-month with no annual contract. The free Starting plan costs $0/mo and is capped at five clients, making it a practical way for a small practice to assess the workflow, but not a fit for a larger roster.

Core costs $149/mo and removes the client cap. It includes planning and monitoring workflows, financial health tracking, and client-facing reporting and dashboards. It is the clearest choice for advisors who need Elements’ core tracking and reporting for an unlimited client roster but do not need the additional Pro features.

Pro costs $299/mo and adds account aggregation through Plaid and Morningstar, AI features, messaging, and mobile tools, alongside unlimited clients. It is the better fit for firms that want those capabilities in the same service; the $150 monthly step up from Core is hard to justify if the added tools are not part of the practice’s workflow. An optional Support User Seat costs $50/month.

Platforms

Elements is available on Android, iOS, and the web. That reach suits advisors and clients who need access across mobile and browser environments, though mobile tools are specifically included with Pro.

Who it's for

Elements is designed for advisors, firms, coaches, and teams seeking a repeatable, client-friendly way to deliver advice. It is strongest for practices that value financial-health summaries, progress reporting, and roster-level comparisons. A solo advisor with no more than five clients can start free; a growing practice should weigh Core’s uncapped roster against Pro’s bundled aggregation, AI, messaging, and mobile tools.

Pros and cons

• Pros: The 11-metric Vitals, Scorecards, and progress reports give advisors a consistent structure for discussing financial health over time.
• Pros: Roster comparison and aggregate benchmarking extend the product beyond individual client summaries.
• Pros: Month-to-month plans avoid an annual contract, and the free tier covers up to five clients.
• Cons: The free plan’s five-client ceiling makes it a limited long-term option for a growing practice.
• Cons: Account aggregation, AI features, messaging, and mobile tools require the $299/mo Pro plan, a substantial increase over Core.
• Cons: AI Connections is a beta limited to eligible firms with AI enabled, so it is not a universal reason to upgrade.

Alternatives

For a broader directory of options, see Financial Planning Software.

• myprosperity is another freemium choice with Android, iOS, and web availability; consider it if its included-in-Partner-plans Starter option and client subscription are a better fit.
• Betterment offers Digital and Premium plans with eligibility thresholds rather than published prices; consider it if those balance or deposit requirements align with your needs.
• Boldin has a free Basic plan with forecasting, charts, and up to five daily AI questions; choose it when those planning tools are a closer fit than advisor-centered Scorecards and workflows.
• FE CashCalc is a paid option with an included paraplanner licence alongside an individual adviser licence; consider it if that licence structure suits your practice.
• Pocket Risk is a paid option with a free trial; consider it as an alternative if you are comparing advisor software.
• ProjectionLab has a free Basic plan and trial, with forecasting, financial planning, Monte Carlo simulations, and historical backtesting; choose it if those modeling capabilities are the priority.
• AstuteWheel is a paid, web-based option with separate admin and paraplanner plans; consider it if that role-based structure fits your team.
• Conquest is a paid option with a free waitlist and an upcoming 14-day trial; consider it if you want to compare another advisor-focused platform.

Verdict

Elements is a strong fit for advisors who want a repeatable way to summarize client finances, track progress, and keep advice visible through client-facing reports. Its free plan is useful for practices of up to five clients, while Core makes the central workflows available to an unlimited roster at $149/mo. Look elsewhere if you need the Pro features but cannot justify $299/mo, or if Elements’ Scorecard-centered approach is not how you want to deliver planning.