The Firm

A Focused Approach

ELC Advisors, LLC is a Registered Investment Advisory firm. We are an Efficient, Low-Cost wealth management firm with some of the lowest fees in the business.  Our role as fiduciary ensures that we always put the interests of our clients first and our fee-only investment management model keeps us free from conflicts.

Our only source of revenue is a low investment management fee that is paid directly by our clients. The business of ELC Advisors is professional portfolio management.

How We Work With You


Our Investment Process

We begin with an extensive discussion of your future needs to create a long-term financial strategy for you and your family.  We create a cost effective asset allocation model best suited to your goals.  We regularly review your progress to ensure you are on the path to meeting your objectives.


Our Service Commitment

ELC Advisors is committed to client service. This includes open communication, operational transparency and prompt replies to questions and inquiries.  And above all else, putting clients’ interests first.


ELC Advisors Low Management Fee

ELC Advisors management fee is 0.40% per year up to $4mm.  The fee is 0.25% on assets above $4mm.  The fee is 0.10% on assets about $20mm.  This management fee is the only source of advisory revenue for our firm. There are no start-up fees, no annual administration fees, and no hidden costs. And, unlike many advisors, ELC Advisors does not participate in any mutual fund fee sharing arrangements, brokerage firm commission splitting programs, or pay-to-play client referral programs.


Source: Financial Planning Association, Research 2011

The Low Fee Advantage

A typical financial advisor collect fees of 1% per year on average for their clients. That’s much too high given the technological advances in investment management industry over the past 20 years. High advisor fees persist because the public doesn’t know that a low cost advisor service exists. ELC Advisors has an investment management fee that is a fraction of the national average. This fee covers all services and expert advice. A substantial fee savings keeps more money in your pocket and compounds into greater wealth.


1. Assumes 5% annual return; for illustrative purposes only

Active Vs Passive Debate


Active Vs Passive Results

Odds are in favor of passive management; few active funds beat the market

% of actively managed funds that underperform index funds over past five year period


Source: SPIVA US mid-year2016 S&P. Dow Jones Indices LLC, CRSP. Data as of June 30, 2016. Outperformance is based upon equal-weighted fund counts. All index returns used are total returns. Table is provided for illustrative purposes. Past performance is no guarantee of future results.

What The Experts Have to Say



There are no warranties implied.

ELC Advisors, LLC (“ELC Advisors”) is a registered investment adviser operating in TX and AZ.  ELC Advisors may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. ELC Advisors’ web site and newsletter is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of ELC Advisors’ web site on the Internet and newsletter via email should not be construed by any consumer and/or prospective client as ELC Advisors solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by ELC Advisors with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of ELC Advisors, please contact the state securities regulators for those states in which ELC Advisors maintains a registration filing. A copy of ELC Advisors current written disclosure statement discussing ELC Advisors business operations, services, and fees is available at the SEC’s investment adviser public information website – or from ELC Advisors upon written request. ELC Advisors does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to ELC Advisors’ web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.