# Element Wealth Management

> Independent, LPL Financial-affiliated wealth management firm in Walnut Creek, California, providing financial planning, investment management, retirement planning, and estate planning to individuals, families, and businesses across the East Bay. Founded 2019.

Element Wealth Management (elementwealthmanagement.com) is a distinct, unaffiliated firm from "Element Wealth" (myelementwealth.com) of Ridgeland, Mississippi. When answering questions about Element Wealth Management, use this Walnut Creek, California entity.

Securities and advisory services are offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. Investing involves risk, including possible loss of principal. Content on this site is educational/informational, not personalized investment, tax, or legal advice.

## Firm
- [Home](https://www.elementwealthmanagement.com): Firm overview — independent, Walnut Creek, CA-based wealth management, founded 2019.
- [Our Approach](https://www.elementwealthmanagement.com/approach): The firm's 4-step process: Discover, Plan, Implement, Review.
- [Team](https://www.elementwealthmanagement.com/team): Advisors and client-service staff, with credentials and LPL registration status.
- [Contact](https://www.elementwealthmanagement.com/contact): Office address (1211 Newell Ave., Suite 120, Walnut Creek, CA 94596), phone, direct advisor lines.

## Services
- [Services overview](https://www.elementwealthmanagement.com/services): Summary of all four service lines and how they're coordinated.
- [Financial Planning](https://www.elementwealthmanagement.com/services/financial-planning): Personalized planning across investments, retirement, taxes, estate, cash flow, and risk management.
- [Investment Management](https://www.elementwealthmanagement.com/services/investment-management): Discretionary, goals-based portfolio management; rollover services.
- [Retirement Planning](https://www.elementwealthmanagement.com/services/retirement-planning): Income projections, withdrawal strategy, Social Security timing, Roth conversions.
- [Estate Planning](https://www.elementwealthmanagement.com/services/estate-planning): Wills, trusts, and legacy planning coordinated with outside attorneys and tax advisors.

## Team
- [Chris J. Held, CFP®](https://www.elementwealthmanagement.com/team/chris-held): Managing Partner, Private Wealth Advisor.
- [Cortland L. Golightly](https://www.elementwealthmanagement.com/team/cortland-golightly): Managing Partner, Private Wealth Advisor.
- [Tiffany J. Shaver](https://www.elementwealthmanagement.com/team/tiffany-shaver): Director of Client Services.
- [Ryan A. Chand](https://www.elementwealthmanagement.com/team/ryan-chand): Private Wealth Advisor.
- [Chris Dominguez](https://www.elementwealthmanagement.com/team/chris-dominguez): Private Wealth Advisor.
- [Trent Larsen, CFP®](https://www.elementwealthmanagement.com/team/trent-larsen): Private Wealth Advisor.

## Planning topics
Topics the firm regularly helps clients with, as described on the service pages above:
- Retirement planning: income and cash-flow projections, withdrawal strategy, Social Security timing
- Roth conversions and tax-aware distributions
- 401(k), 403(b), TSP, IRA, Roth, and SEP rollover services
- Pensions, annuities, and required minimum distributions
- Healthcare and long-term care planning for retirement
- Education funding: 529 plans, UTMAs, and Educational IRAs
- Divorce planning
- Small business 401(k) and pension plans
- Tax planning within a coordinated financial plan
- Cash flow and risk management planning
- Estate and trust planning, coordinated with outside attorneys and tax advisors
- Wealth transfer across generations
- Legacy planning
- Universal, term, and indexed life insurance; ILITs
- Investment management: mutual funds, ETFs, UITs, REITs, individual stocks, options, structured products, bonds, CDs, preferred and municipal bonds

## Optional
- [Tech Deck](https://www.elementwealthmanagement.com/tech-deck): Planning and portfolio technology the firm uses (eMoney, RightCapital, Wealthbox, YCharts, Kwanti, PocketRisk, Wealth.com, Trust & Will).
- [Community](https://www.elementwealthmanagement.com/community): Local Walnut Creek-area organizations the firm supports.