# David Schram

> David Schram is a fee-only financial advisor at Elements 5 Investment Management in Bridgewater, New Jersey. David charges a percentage of assets and hourly fees ($400 an hour) and focuses on small business owners.

Page: https://find.wellspent.co/advisors/david-schram/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Elements 5 Investment Management
- **Based in:** Bridgewater, New Jersey
- **Fee model:** Percentage of assets; Hourly
- **Fees (firm's website):** $400 an hour
- **Assets under management (firm):** $13.8M across 69 accounts
- **Specialties:** Small business owners
- **CRD:** 6191719 (https://adviserinfo.sec.gov/individual/summary/6191719)
- **SEC registration:** Investment adviser representative in NJ
- **Exams passed:** Series 65 (2013)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://elements5.us/

## Frequently asked questions

### Is David Schram a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: David holds no broker registration, and Elements 5 Investment Management reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does David charge for financial advice?

David charges a percentage of assets and hourly fees.

### How much does David charge?

According to Elements 5 Investment Management's website, checked October 30, 2026: $400 an hour.

### Where is David Schram based?

David Schram is based in Bridgewater, New Jersey.

### What does David specialize in?

David's specialties include small business owners.

### Is David Schram registered with the SEC?

Yes. David Schram is registered as an investment adviser representative in NJ (CRD 6191719), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Elements 5 Investment Management manage?

Elements 5 Investment Management reports $13.8M across 69 accounts in assets under management.

### How do I contact David Schram?

Through David's website, elements5.us.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6191719): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.elements5.us/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.