Elm Wealth was founded in 2011 by Victor Haghani, a seasoned financial markets veteran with 40 years of experience. Haghani co-founded Long-Term Capital Management in 1993 and was a founding partner of JWM Partners after LTCM's collapse. He founded Elm Wealth because existing wealth management options weren't meeting his standards for managing his family's wealth. James White joined as CEO in 2018, bringing two decades of finance experience across quantitative research, market-making, investing, and wealth management from firms including Bank of America, Citadel Investment Group, and PAC Partners. Together, Haghani and White co-authored 'The Missing Billionaires: A Guide to Better Financial Decisions' published in 2023. The management team personally invests over 80% of their liquid assets in Elm, demonstrating strong alignment with clients.

Read More

Elm Wealth's investment approach is called Dynamic Index Investing®, which provides research-driven, practical personal wealth management solutions. Their investment philosophy centers on global diversification, cost and tax efficiency, significant equity exposure, and consistent investment sizing decisions. The approach is a rules-based asset allocation methodology that uses baseline portfolios with value and momentum overlays to respond to changing market conditions. Elm blends hedge fund-level investment acumen with the simplicity and cost-effectiveness of a robo-advisor. The Dynamic Index Investing® approach uses a Baseline Portfolio that assumes a 4% risk premium environment and uses dynamic scaling to adjust asset allocation based on market risk premia and momentum signals. The investment program employs dynamic asset allocation strategies aiming to outperform benchmark portfolios over a long-term horizon of 10 to 20 years, using a primarily rules-based approach based on valuation and momentum factors.

Read More