ELPHINSTONE

Overview

Elphinstone is an independent registered investment adviser that positions itself as a fee-based planner and portfolio manager for individuals and small businesses. The firm operates under a percentage-of-assets fee model and maintains an affiliation as a registered representative of a broker-dealer, which helps explain its use of annuity products alongside traditional advisory solutions. Elphinstone’s filings show it is not an active ESG investor and it focuses on retail clients rather than institutional mandates. Investment activity is conservative and product-focused: the firm relies heavily on pooled public funds and mutual funds to deliver market exposure, and supplements that exposure with annuity wrappers where appropriate. With all reported assets classified as non-discretionary, Elphinstone appears to act primarily in an advisorial and implementation role rather than exercising wide discretionary trading authority for clients.

Assets & Accounts

Public Holdings

Investments & Alternatives

Location & Offices