Meet the founders
Ron Palmiter
Co-Founder & Managing Partner, Growth & Partnerships
Military veteran
Aerospace engineer
Insurance leader
Built multi-million-dollar firms
Helps advisors grow client cash flow with practical, education-first strategies.
Ron has a uniquely varied background that he brings with him to all of his endeavors. He entered the Navy Reserves in 1982 as a Sea Rescue Frogman and then transferred to the Marine Corps. He completed his military career in 2002 with the Army Reserves in Houston, TX. In 1987 he married his wife Jana, and they have 3 adult children. Ron spent 10 years that overlapped with his military career working in the aerospace industry where he designed and developed Astronaut tools for NASA ISS. During this period, he also attended college at night, and he obtained his degree in Engineering.
In 2001 he obtained a Texas insurance license and later his Series 6 and 63. His career in insurance saw him build two organizations from zero to multi-million-dollar companies in short order. The first was focused on recruiting non-licensed producers whom he trained and provided leads to sell individual Life and Health insurance. The second was an insurance aggregator focused on supporting IMO/FMO/Agencies to add Commercial Insurance, back-office support, and management systems to offer an independent turnkey agency solution. He has also consulted with numerous financial firms in developing Insurance verticals within their firms by adopting a holistic wealth management approach for their clients.
Ron is the Chairmen of the board of the National Association of Cash Flow Advisors “NACFA” an educational platform that was conceived in 2019. NACFA is a non-profit association that has two distinct audiences: those who are looking for solutions to increase Cash Flow and profitability and those who are looking for solutions to offer their clients; with one Mission, to educate anyone who wants to understand the power of “Cash Flow” through the curriculum for the Accredited SCFP® Strategic Cash Flow Planner designation, Developed by The University of Texas, McCombs School of Business in the spring of 2022.
NACFA is the first provider to bring together a collection of professionals “Legacy Partners” who are experts in their field along with a series of value-added tools and resources designed to increase Cash Flow, a business’s book value, decrease expenses, and transform a business. NACFA in conjunction with our Legacy Partners
Ron’s other business venture MentumCorp LLC, in conjunction with NACFA, offers access to these Legacy Partners through a strategic partnership along with all the tools needed to help a financial advisor implement solutions for their business owner, professional or HNW clients to help them maximize their cash flow. Knowing the value of having enough people to share these unique ideas with, Ron partnered with several developers to create Harvistr C2STM which brings all the tools you need to solve your lead generation, digital marketing, client management, and sales platform in one system.
Ron resides on Lake Travis in the North Austin Texas area with his wife Jana and their son John while caring for Jana’s aging parents. Ron’s two daughters Jessi and Rhi are currently attending Texas Tech. One personal accomplishment that Ron has crossed off of his bucket list is to obtain a CDL, hiked 18 different trails in Grand Canyon, have summited three 20,000+ ft mountains and “visited” Mt. Everest.
Seth Kniep
Co-Founder & Managing Partner, Strategy & Stewardship
Built three e-commerce brands
Scaled coaching company to $50M
Consulted for Amazon, BMW, and Forever 21.
Led 350-person operation importing tens of thousands of products overseas.
Equips affluent families with trust-based, education-first strategies for multi-generational stewardship
Seth Kniep built his career the hard way—by owning the lessons that nearly broke him. Fifteen years ago he worked for Apple, the richest company in the world, outperforming more than 800 sales agents. Yet he couldn’t afford to take his family to lunch. He was $24,000 in debt and facing a home foreclosure. The breaking point came when a manager threw him under the bus in front of his own employee. That moment pushed him to build something of his own.
He started selling on Amazon. Nights, weekends, and every spare hour went into learning the platform, testing products, and building systems. He launched three brands, grew steady cash flow, and when his income doubled his Apple salary, he resigned to become a full-time entrepreneur.
As his results grew, people asked him to teach them. One-on-one coaching helped, but it wasn’t scalable. So he and his son Josiah pulled an all-nighter at Dominican Joe’s in Austin to map a program that would become Just One Dime—a comprehensive FBA training platform. The growth that followed was explosive. Students from more than 150 countries enrolled. Dozens became millionaires, some multi-millionaires. One couple pitched their product on Shark Tank. Amazon invited Seth to headquarters to consult on its third-party platform. Brands like BMW and Forever 21 sought his guidance. The coaching company scaled to a $50 million valuation.
Scale also brought operational weight. At peak, Seth’s team imported tens of thousands of products into the U.S. for Amazon stores. Then COVID hit. Factories shut down, raw material prices spiked, and cash flow stalled. With 350 staff to support, the operation couldn’t survive. The company entered Chapter 7 and he lost everything.
The setback became a turning point. Losing his assets forced him to confront what he had ignored during the high-growth years—protection. He studied how families and founders preserve what they build, how structures support responsibility across generations, and how the right planning can keep one crisis from erasing decades of work.
Today, Seth helps wealthy families organize assets into trusts to protect wealth from lawsuits, debt, and excessive taxation. His approach is education first—plain-English strategy before any structure is implemented. He coordinates with licensed attorneys and CPAs, builds clear plans, and emphasizes privacy, discretion, and execution. Families leave with a practical “playbook” that clarifies roles, outlines governance, and equips heirs to make wise decisions.
Seth’s work is shaped by what he’s lived through: the grind of building, the thrill of scaling, and the consequences of weak protection. He believes real success isn’t just growth—it’s resilience. It’s wealth that survives stress, leadership that outlasts the founder, and a legacy clear enough for heirs to follow without confusion or conflict.
From outperforming at Apple, to building brands on Amazon, to scaling a global training company—and then losing it all—Seth’s story is proof that stewardship matters as much as scale. He now dedicates his time to helping families protect what they’ve created so the next generation can build on it, not rebuild it.
OUR PROCESS
A clear 4-step path to protected wealth.
1. Discover
Clarify goals, inventory assets/entities, surface exposures, gather docs.
Output: 1-page brief and prioritized risk list.
2. Educate
Plain-English strategy session; model scenarios, tradeoffs, timelines; choose direction.
Output: Decision memo and action roadmap.
3. Plan & Coordinate
Draft the plan; coordinate licensed attorney/CPA/agents; set privacy controls and governance.
Output: Family Playbook—structures, roles, funding checklist, governance rules.
4. Implement
execute docs, retitle assets, fund trusts/policies, set monitoring; schedule reviews.
Output: Implemented structures, tracking dashboard, annual review cadence.
FAQ: What Elm Does
What does ELM actually do—plain English?
We educate families and coordinate vetted pros to help protect and grow wealth.
Who is ELM a great fit for?
Entrepreneurs and families serious about privacy, tax efficiency, and legacy.
How is ELM different from the typical asset-protection firm?
Strategy-first education—then we coordinate trusts, licensed attorneys, and agents.
Can you work with my existing CPA, attorney, or insurance agent?
Yes—we collaborate with your team or introduce vetted partners.
How do you protect privacy and discretion?
Restricted access, NDAs, need-to-know sharing, and secure systems.
What results should I expect in the first 30 days?
Clarity, a written plan, key structures in motion, and scheduled reviews.
FAQ: Trusts & Asset Protection
How do trusts actually protect wealth?
They separate control/ownership to manage risk, taxes, and succession.
Can a trust reduce taxes legally?
Sometimes—attorney/CPA-led structures may improve outcomes; results vary.
How long does a proper trust plan take?
Simple: days; complex/multi-entity: weeks.
Can I move existing assets into a trust?
Often yes—title changes coordinated with counsel and institutions.
How often should a trust be reviewed?
Annually—or after major life, asset, or business changes.
Common mistakes to avoid?
DIY docs, unfunded trusts, missing beneficiaries, and no updates.
FAQ: Insurance, IUL & Retirement
What is an IUL and who should consider it?
Flexible life insurance with indexed crediting—best for long-term, well-funded plans. Ideal for long term tax reduction.
How do policy loans work under current tax law?
You borrow against cash value—interest applies; structure and manage carefully.
IUL vs whole life vs Roth/401(k)?
Different tools—risk, guarantees, liquidity, and tax treatment all vary.
Do you sell annuities—and when do they fit?
Yes via licensed agents—for income, risk transfer, or accumulation when suitable.
How do you evaluate carriers/products?
Financial strength, costs, caps/spreads, flexibility, and real-world modeling.
Can I use IUL for legacy and liquidity?
Often—death benefit plus potential access to cash value if funded prudently.
FAQ: Process, Pricing & Timeline
What’s your process from first call to implementation?
1) Discover & risk scan → 2) Educate & options→ 3) Plan & coordinate→ 4) Implement & steward
How do you charge—fee, commission, or hybrid?
Hybrid—fee-based education/planning; agents earn standard commissions when applicable.
What’s in the “Family Playbook”?
Goals, structures, action steps, contacts, and maintenance schedule.
How do you measure success?
Risk reduction, clarity, implementation milestones, and goal alignment.
What happens if my situation changes?
We re-plan quickly and adjust structures and coverage.
What documents do you need from me?
Only what’s required—IDs, entity docs, statements, policies, deeds, returns.
FAQ: Privacy, Security & Compliance
How is my data stored and who has access?
Encrypted storage, role-based access, and audit trails.
Do you run background checks on partners/vendors?
We vet licensing, track records, and performance.
What NDAs or confidentiality agreements do you use?
Mutual NDAs and confidentiality clauses as needed.
Are you a fiduciary—and when?
Advisory scopes follow fiduciary standards; insurance follows suitability/best-interest laws.
How do you handle conflicts of interest?
We disclose conflicts and keep compensation transparent.
What compliance standards do you follow?
Applicable state/federal insurance, privacy, and advertising rules.
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Content is educational—not legal, tax, or individualized financial advice. Legal services are provided by licensed attorneys; insurance by licensed agents; results vary by client and jurisdiction.