getelements.com

What It Is

Elements is a financial wellness program and pre-planning software product for financial advisors, financial planners, and advisory firms. It is not a payment gateway or fund settlement platform. Instead, through the Elements: Financial Vitals Methodology, it breaks a client’s financial situation into 11 “vital sign” metrics, helping advisors deliver more relevant recommendations faster across marketing, lead acquisition, onboarding, and ongoing service.

Core Capabilities

The product focuses on data collection, client assessment, and communication/presentation. The website highlights Easy-Invites, 8-minute prospect onboarding, Elements Scorecard, One-Page Plan, automated progress reports, AI financial assessments, an email nurture content library, and a mobile App. Financial Vitals covers areas such as asset structure, cash flow, debt, taxes, insurance, and estate planning, with metrics such as Total Term, Savings Rate, Burn Rate, Debt Rate, Tax Rate, Equity Rate, and Insurance Rate. This makes it useful for turning complex financial topics into measurable indicators that are easier to discuss.

Pricing and Integrations

Pricing is relatively transparent: it is free for 0–5 clients; Core starts at $149/month for 6 or more clients and includes planning monitoring, financial wellness tracking, client reports, and dashboards; Pro costs $299/month and adds account aggregation, AI, messaging, mobile App, and other capabilities. All self-serve plans are billed monthly with no annual lock-in. For integrations, Elements works with Plaid, Morningstar, and Zapier to keep custodial and external account data updated and connect with other systems, but the main website does not disclose open API documentation.

Pros and Cons

Its strengths are its vertical focus, comprehensive advisor workflow, repeated emphasis on interface design and ease of use, and a free tier that lowers the barrier for new firms to try it. For fee-based, advice-first advisors, it can help demonstrate service value, qualify prospects, and improve communication efficiency. Its limitations are that the website does not disclose regulatory licenses, detailed data security information, supported countries, payment methods, transaction fees, or settlement cycles. As a result, it should not be viewed as payment or financial transaction infrastructure.

Who It’s For and Access from China

Elements is better suited to independent financial advisors, CFPs, CPA advisory teams, and organizations that want to provide employee financial wellness programs, particularly in a North American context. The main content does not state whether it is accessible from mainland China, so this remains unknown. The compatibility of account aggregation and data services such as Plaid and Morningstar with local Chinese financial accounts is also not disclosed. If you need local payments, acquiring, or settlement, consider options such as Alipay, WeChat Pay, Stripe, or Airwallex; if you need local wealth management data or investment research systems, you should choose tools designed for the Chinese market.