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ELM Management Group and its subsidiary ELM Insurance and Financial Services are full service accounting, financial and insurance firms that can help you with your personal and business needs.  We have professional CPAs, MBAs, DBAs and Licensed Insurance Agents with a combined 30 years of financial and accounting experience.


ELM represents some of the nation’s top insurance and financial services companies. They are A+ rated. We offer insurance for Auto, Life, Home, and Business.  ELM also offers retirement planning.


ELM also has the staff with the necessary accounting experience to perform audit, review, compilation, tax and consulting engagements.


Let us take you and your business to the next level with affordable services.  Please call an ELM representative today so we can help you build wealth and protect your assets.



ELM is in the business of providing excellent automobile insurance coverage at an affordable price. Together we will design a plan to help financially cover potential auto-related damages, loss or injuries. The insurance protection you need when you’re on the move.


Life insurance is a crucial step in planning for your future and the future of your loved ones. We offer the protection your family deserves, with flexible policies and options to fit every need and budget.


Homeowners insurance provides coverage for your dwelling, dwelling extensions, as well as personal possessions and personal liability. No two homes are alike. We will work with you to design an insurance policy that fits your place.


Whether you’re just getting started or an established business owner, you can count on ELM to help you identify insurance and financial solutions to protect your growing business. Let us determine the right blend of insurance for you today, and give you peace of mind tomorrow.

Additional Services

As a Division of ELM Management group we also offer Tax Preparation (Individuals, Partnerships and Corporations), Accounting (Bookkeeping, Financial Statement Preparations and Complications, and assist 501 (3) (c) Exempt Organization), and Business and Financial Consulting.

Our Team

Dr. Everett Montgomery, CPA

Partner, ELM Management Group

Dr. Everett Montgomery is a certified public accountant, certified business manager, certified quickbooks pro user, and licensed insurance agent.  He holds an associates in computer science, a bachelor in business administration with emphasis in accounting and  a masters in accounting. He also has a doctorate in business administration.

He has twenty-five years of accounting and financial experience.  This experience includes public accounting as well as governmental accounting.  He has held positions such as partner, general agent, controller, associate controller, inspector general, tax audit manager, and adjunct professor of accounting.

He has the skills necessary to meet the diverse needs of individuals as well as small and large businesses.

Dr. Rena Montgomery, MBA

Partner, ELM Management Group

Dr. Rena Montgomery is a licensed insurance agent and she is a certified quickbooks pro user.  She holds an associates degree in accounting, a bachelor in business administration, and a masters in business administration with emphasis in finance. She also has a doctorate in business administration.

She has over ten years of financial experience in the public and private sectors. She held positions such as partner, general agent, senior manager, senior accountant, and payroll specialist.

Rena’s various financial experience in the insurance industry making her the perfect fit for our insurance customers.