Take control of your investment strategy with Elm's three customization dials. Set your baseline equity risk level and split of US / Non-US assets, then choose how actively your portfolio responds to changing market conditions.

SMAs can be funded with cash or existing assets, allowing Elm investors to transition tax-efficiently into an Elm portfolio. Rather than selling everything at once, we analyze each position and create a plan that minimizes the tax impacts of a portfolio shift.

Elm SMA investors own the underlying ETFs directly, giving them more control over realizing capital gains or losses to help reduce taxes and increase after-tax return potential.