Get back to your life.
We’ve got this.
Portfolio Design.
Investment Management.
Tax Strategy.
Financial Planning.
Fully Integrated.
Fully Implemented.
The only money choice you should have to make alone is how to spend it.
We design the strategy together, then implement it for you — taxes, retirement, cash flow, benefits, estate, insurance, education, and business planning — so you can get back to what you do best.
Who We Are
Experts in
Portfolio Design, Investment Management, Advanced Tax Strategy, and Comprehensive Financial Planning.
Dr. Lauren Mishra, CERTIFIED FINANCIAL PLANNER®& IRS Enrolled Agent
Founder & Principal Advisor -with over a decade of experience in tax-integrated financial planning
Tax Expertise.
The highest credential awarded by the IRS. Enrolled Agents demonstrate comprehensive federal tax expertise and have unlimited rights to represent taxpayers before the IRS.
Flat Fee-Only Fiduciary.
The CFP® designation reflects rigorous education, examination, professional experience, and ethical standards across the financial planning profession, along with a fiduciary obligation to put clients’ interests first when providing financial advice.
How We’re Different
Unified Portfolio Design
When extensive tax knowledge is combined with deep expertise in portfolio construction, the power of the market is captured and compounded.
Concierge
We build the strategy with you, then implement it all for you. Stay in control of every important decision while we handle as much of the work as possible.
Flat Fee-Only
Your fee is based on the complexity of your financial life so that our incentive is to help you make better financial decisions.
Empowerment
No jargon. No lectures. No judgement. Demystifying finance and empowering you to make confident decisions.
Our Initial Review Process
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Step 1: Introduction
Reach out to tell us why you’re unique, what’s bothering you about your money, and what you’d like help with.
You’ll be taken to our scheduling page to reserve your introductory meeting.
There, we’ll explain how we would tackle your concerns and give you a clear sense of the next steps.
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Step 2: Book Your Review
Ready to Get Started?
Every client relationship begins with an Initial Financial Review. Whether you’re seeking a one-time engagement or long-term planning support, this in-depth, comprehensive review allows us to fully understand your financial landscape and build a clear, strategic plan tailored to you.
To reserve your review date, a $150 deposit is required.
The total cost for the full review is $1,500, with the remaining balance collected on the day of your appointment.
If something comes up, simply cancel 14 or more days in advance and your deposit will be fully refunded.
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Step 3: Complete the Intake Form
After you book, keep an eye out for a short intake form.
This gives us what we need to create your personal financial site behind the scenes.
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Step 4: Access Your Site & Upload Your Documents
Using your intake info, we’ll set up your personal and secure financial site and send you login details.
Once inside, you’ll upload or link the documents we need for your review (tax returns, pay stubs, investments, loans, insurance, etc.).
Please get this to us at least a week before your meeting (two weeks is ideal).
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Step 5: Your Review Meeting
Your review meeting can run up to 3 hours; use as much or as little as you want.
This is where we build the blueprint for your financial remodel — the plan, the design, the “why” behind each suggestion and the steps needed to move things in the right direction.
Within 48 hours afterward, we’ll upload your full meeting notes, all recommendations, and any charts or visuals we used to your financial site.
You’ll also have 30 days of access to your advisor for questions or a short follow-up meeting.
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Step 6: Ongoing Support
Ongoing planning is for clients who want support with executing the plan we created, keeping it updated, and staying on track over time.
Our ongoing planning fee is based on complexity (minimum $3,000/year), and if you sign up within 30 days, your $1,500 review fee is waived.
We do not charge based on a percentage of assets. That said, observationally, our fees are often well below 1% of investable assets and are designed to be covered by portfolio growth rather than your household cash flow.
If you choose not to move forward, you’re always welcome back for another review; however, we only offer them during certain times of year and as availability permits, so there may be a waitlist.
Private Retainer Service - What to Expect
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Step 1: Initial Financial Review
We begin with a comprehensive review of your entire financial picture — investments, taxes, cash flow, risk, and long-term planning.
At the conclusion of your Review, we quote your ongoing planning fee based on complexity (with a minimum of $3,000 per year).
If you enroll within 30 days, your $1,500 Review fee is waived.We do not charge based on a percentage of assets. That said, observationally, our fees are often well below 1% of investable assets and are designed to be covered by portfolio growth rather than your household cash flow.
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Step 2: Onboarding & Implementation
Once you enroll, we move into implementation — together.
We meet to walk through recommendations, confirm priorities, and ensure alignment before any major changes are made. There are no surprises. You don’t have to guess what comes next.
We guide the process step-by-step and handle as much of the execution as you’d like, so implementation feels clear, manageable, and low-stress.
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Step 3: Your First Year of Planning
A typical year includes 3–4 scheduled, comprehensive meetings, each with a distinct focus:
Spring: Tax preparation coordination & cash flow
Summer: Investment strategy & retirement planning
Fall: Tax planning & year-end optimization
Optional: Topic-specific planning as needed (education, business, real estate, divorce, estate planning, and more)
Every meeting is tailored to you — not a template.
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Step 4: Ongoing Access & Support
Planning doesn’t happen only in meetings.
As you implement recommendations, you can reach out for help whenever you need it — quick questions, screenshares, or meetings devoted to specific decisions that come up in real life.
For every decision, big or small, you can call or email and expect a thoughtful response within a day.
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Step 5: Annual Fee Review & Approval
In your final meeting of each year, we reassess complexity and scope and present a flat fee for the upcoming year.
Once approved, that fee remains fixed through the end of the following year — providing clarity, transparency, and no surprise increases.
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Step 6: Continuous Planning & Portfolio Management
Your plan is continuously updated as your life evolves, and your portfolio is maintained with a focus on tax efficiency and long-term outcomes.
We use the market as the growth engine it has historically been, while consistently improving outcomes through:
Tax-aware asset location
Tax-loss harvesting (when appropriate)
Charitable planning
Coordination with trust and estate structures
Avoiding unnecessary realization of gains
Over time, these decisions can add meaningful value beyond what the market alone delivers.
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What Sets Us Apart
We intentionally limit the number of clients we serve so we can provide this level of attention.
If you’re a client, you don’t just have an advisor — you have a financial professional in your corner for everything that comes up, year after year.
Our goal is simple:
to deliver value well in excess of our fees and guide you confidently through both the changes you choose — and the ones life brings to you.
Before your reach out…
Because of the level of care and attention we provide to our Private Retainer clients, Elion intentionally limits the number of relationships we take on. When capacity is reached, we may pause one-time reviews and new client intake.
Evidence-Based Investing
We don't believe investment expertise is measured by complexity, constant trading, or predictions about what the market will do next. We build highly efficient portfolios designed to capture long-term market growth while managing the things we can control—risk, diversification, taxes, costs, and how the portfolio supports your life.
Boutique by Design
Elion intentionally limits the number of clients we serve so we can remain responsive, flexible, and deeply engaged in each relationship. We don’t operate on a high-volume, assembly-line model, and we’re not focused on growth for its own sake. As an independent firm supported by a broader network of planners and specialists, our priority is simple: our clients always come first.
No Quick Opinions
Good advice depends on seeing the whole picture — Elion doesn’t offer “quick looks” or narrowly scoped opinions. All guidance is provided within structured engagements that allow us to understand the full context and make recommendations responsibly.
Fully Virtual
All meetings are conducted virtually via video or phone. This allows us to work with clients nationwide and often makes meetings easier since you can access your own documents and accounts during the conversation. It also helps keep overhead—and your fees—lower. If you strongly prefer in-person meetings, we may not be the best fit.
Affiliations
