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ElaVar Advisory Group
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Your private financial dashboard
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Financial Health
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ElaVar Intelligence
Always on · AI Financial Assistant

Your personal AI advisor with full access to your financial profile. Ask anything about your credit, money, or next steps — 24/7.

💳
Credit repair guidance & dispute help
📊
Budget, savings & cash flow analysis
Investment & wealth building strategy
Recent Activity
Upcoming
No upcoming appointments.
Pull Your Credit Report Soft Inquiry · No Score Impact

Enter your information below to pull your tri-bureau credit report. This is a soft inquiry and will not affect your score.

Select date of birth
Active Disputes Pending
No active case yet
Your advisor will open a credit repair case after reviewing your report. Pull your credit report above to get started.
Credit Monitoring
Log New Score
Messages
TM
Travis Mamon
ElaVar Advisory
New Conversation
Book a Strategy Call
Select a date
My Appointments
No appointments yet.
Billing & Invoices
No invoices yet
Invoices will appear here once your advisor sends them.
Connected Accounts
No accounts connected
Connect your bank accounts securely via Plaid to track balances, cash flow, and spending automatically.
256-bit encryption · Read-only access · Never stores credentials
The ElaVar 5-Account Money System
Structure your money so wealth builds automatically — without willpower. Each account has one job and one job only.
01
Command Account
Income Checking
All income lands here first. Hub only — distributes to every other account on payday. Nothing is ever spent from this account directly.
02
Expense Account
Bills & Fixed Obligations
Rent, utilities, insurance, subscriptions, and minimum debt payments auto-draft from here. Fund it on payday with the exact amount needed. Runs on autopilot.
03
Lifestyle Account
Discretionary Spending
Your guilt-free spending money. Groceries, dining, gas, entertainment. When it hits zero, spending stops naturally — no spreadsheet, no willpower required.
04
Cash Reserve
Emergency Buffer — 1–3 Months
Not your emergency fund — your buffer. Absorbs car repairs, medical copays, and unexpected bills without touching savings or going into credit card debt.
05
High-Yield Savings
Wealth Building at 4–5% APY
Everything remaining after the other 4 accounts are funded flows here automatically. Marcus, Ally, or SoFi. FDIC-insured. Sub-buckets for goals. Earns while you sleep.
Set up automatic transfers on payday — Command → Expense, Lifestyle, Cash Reserve, then High-Yield Savings. Once configured it runs itself forever. Your advisor will help you calculate the exact amounts for each account on your strategy call.
Money Management
Bill Calendar
Track every bill, never miss a due date, protect your credit score
Monthly Bills
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Due This Week
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Total / Month
$0
Paid This Month
0
Sun
Mon
Tue
Wed
Thu
Fri
Sat
All Bills
Bills detected from your connected bank accounts are automatically added below. You can also add any bill manually above. Alerts appear in your portal and can be sent to your email.
Cash Flow System
Cash Flow System
Monthly Income
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Monthly Expenses
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Net Cash Flow
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⬡ Cash Flow Analysis
Your advisor will analyze your income and spending patterns after your strategy call.
Budget Being Prepared
Your advisor will build a personalized budget plan after your strategy call.
Savings Goals
Your savings goals will appear here once your advisor sets up your financial plan.
Savings Recommendation
Your advisor will provide a personalized savings strategy to accelerate your path to financial freedom.
Emergency Fund
Current
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Target (3–6 mo)
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Progress
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Fund Progress 0%
Wealth Snapshot
Net Worth
Assets minus liabilities — your real financial picture
Total Net Worth
$0
Total Assets
$0
Total Liabilities
$0
Assets vs Liabilities
Assets 50% Liabilities 50%
Connect your bank accounts, investment accounts, and credit cards via Plaid to see your complete net worth automatically calculated.
Debt Overview
Your Liabilities
Credit cards, loans, and debt — automatically pulled from your accounts
Total Debt
$0
Monthly Payments
$0
Avg Interest Rate
0%
Credit Utilization
0%
⬡ Financial Education
What is a Liability?
A liability is anything you owe — money borrowed that must be repaid, usually with interest. Every liability reduces your net worth dollar-for-dollar. The goal isn't to eliminate all debt forever — it's to only carry debt that works for you, not against you.
Learn more ↓
Credit Cards · highest priority to eliminate
Connect via Plaid to automatically import credit card balances, APR, and minimum payments.
Auto Loans · depreciating asset — refinance if rate is over 7%
No auto loans added. Plaid will import these automatically if connected.
Student Loans · if rate is below 6%, consider investing instead of overpaying
No student loans added. Plaid will import these automatically if connected.
Mortgage · builds equity — typically good debt
No mortgage added. Plaid will import this automatically if connected.
Personal Loans & Other · medical debt, BNPL, family loans
Personal loans, medical debt, BNPL, or any other obligations.
Investment Portfolio
Your risk profile and allocation — built around your goals
Total Investment Value
$0
Share of Total Portfolio
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Portfolio Allocation
Risk Profile
Connect Schwab Account
Real-time positions, P&L, and rebalancing recommendations — all in one place.
Long-Term Wealth
Retirement Strategy
Build generational wealth — Roth IRA, 401(k), HSA and beyond
In Progress
Roth IRA
$0
2026 limit: $7,000
401(k)
$0
2026 limit: $23,500
HSA
$0
2026 limit: $4,300
The ElaVar Retirement Sequence
1
Emergency Fund First
3 months of expenses in a high-yield savings account before anything else.
2
Capture Every Dollar of 401(k) Match
Your employer match is an instant 50–100% return. Never leave it on the table.
3
Max Your Roth IRA — $7,000/year
Tax-free growth forever. The most powerful account available to you.
4
HSA — Triple Tax Advantage
Pre-tax contributions, tax-free growth, tax-free withdrawals for medical expenses.
L
LaVar says
Your retirement strategy will be fully built once your credit foundation is in place. Every point we add to your credit score directly improves the interest rates you will get on mortgages and auto loans — saving you hundreds of thousands over a lifetime. We build in the right order.
ElaVar Advisory
Credit Journey
From credit building to private wealth — your personalized roadmap
Your Current Tier
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Tier
Credit Score
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Utilization
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Payment History
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Wealth Score
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Progress to Next Tier
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0%
Next Best Actions
Your Journey Map
5 tiers from foundation to private wealth
Recommended Cards
Based on your current tier and credit profile
Wealth Readiness Score™
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/ 100
Achievements
Wealth
Your Roadmap
Your personalized step-by-step path to financial freedom
Overall Progress
Phase 1 of 7
Tools
Credit Score Simulator
Enter your scores from all three bureaus, then model the impact of specific actions before you take them
Experian
Equifax
TransUnion
Average Score — Projected
Poor Fair Good V.Good Exc.
580
EXP
580
EQF
578
TU
583
Simulate These Actions
Poor
300–579
Fair
580–669
Good
670–739
Very Good
740–799
Exceptional
800–850
Tools
Debt Payoff Calculator
See exactly when you'll be debt-free and how much each strategy saves you
Extra Monthly Payment
$
Amount above minimum payments
Strategy
Strategy Comparison
Avalanche saves —
Avalanche finishes —
Snowball finishes —
Uses debts from your Liabilities tab and connected Plaid accounts. Add debts manually in Liabilities if not connected.
Tools
Goals Tracker
Set financial goals. Track progress. Celebrate wins.
Tools
Spending Insights
Where your money actually goes — automatically from your connected accounts
Connect your bank accounts via Plaid to see automatic spending breakdowns by category, merchant, and month.
Credit Builder · Powered by ElaVar
ElaVar Reserve
Build real credit history — reported to all 3 bureaus every month
Enrollment Available
ElaVar Reserve Card
Choose Your Reserve Plan
🏦
Reserve Savings Loan
Installment · Money returned at end
We align your loan with your actual savings goal. Every payment builds an installment tradeline — and when the term ends, every dollar comes back to you.
✓100% of principal returned at term end
✓Builds installment credit history monthly
✓No hard inquiry to enroll
Savings Goal Calculator
Monthly Payment
$83
$2,000 returned after 24 months
Your Next Steps
💳
Enroll in Reserve
Start building credit today
📅
Book a Strategy Call
Talk to your advisor
💬
Ask LaVar
Get answers instantly
Credit Cards
Track utilization, rewards, and payment dates to maximize your score and benefits
ElaVar Strategy Tip
Pay your credit cards on the statement date — not the due date. This ensures a low balance is reported to the bureaus, which directly improves your credit score. Keep utilization under 10% per card.
ElaVar Advisory Group
Welcome to ElaVar.
We're glad you're here.
Working with us is refreshingly different. We combine real financial expertise with smart technology to build your credit, grow your wealth, and put a real advisor in your corner — all in one place.
Take these five steps to get the most out of your account.
1
Review
your credit report
2
Connect
your accounts
3
Set
your goals
4
Explore
financial education
5
Book
your first consultation
Get solid support for your financial future.
We've curated this collection especially for new clients — everything you need to get real value out of ElaVar from day one.
Pro tip: connect your accounts first.
The more ElaVar can see, the more accurately we can track your progress — net worth, cash flow, and credit all update automatically once connected.
Connect your accounts →
Have questions? Check our FAQ.
Common questions about credit disputes, timelines, and how your subscription works — answered up front.
Read the FAQ →
Discover our principles.
The time-tested fundamentals we build every client's plan around — credit, cash flow, and wealth, in that order.
Explore our principles →
Learn how you can work with us.
Prefer to go it mostly alone, or want a dedicated advisor relationship? Both are built into every tier.
See how it works →
Try our planning tools.
Set real goals, simulate your credit score, and build a debt payoff plan — success takes a plan you'll actually stick to.
Open planning tools →
Learn about credit, investing, and trading.
Articles, structured courses, and live classes — the education center is built to actually get used.
Explore education →
Our principles.
Six fundamentals we build every ElaVar plan around, in order.
1. Fix the foundation first
Credit affects nearly every other financial decision — we start there before anything else.
2. Cash flow beats income
What you keep matters more than what you earn. We build a system, not just a budget.
3. Debt has an order
Not all debt is equal — we help you decide what to pay off first and what to leave alone.
4. Time in the market wins
Long-term investing builds real wealth. Trading, if you choose it, stays a small, managed slice.
5. Generational, not just personal
The goal isn't just your wealth — it's what you're able to pass on.
6. Teach it forward
Wealth without financial literacy rarely lasts a generation. We teach it so it can be passed down, not just the money.
How you can work with us.
Whether you want a lot of guidance or prefer to go it mostly alone — the choice is yours. A one-time Financial Foundation Setup fee applies when you join (waived on Private).
Free
$0
Explore your financial profile and see your recommended plan.
Core
$20/mo
Credit monitoring and dispute tracking, self-guided.
Growth
$50/mo
Adds banking, cash flow, and budgeting tools.
Elite
$80/mo
Adds investing, net worth, and retirement planning.
Private
$200/mo
Everything, plus a dedicated 1-on-1 advisor relationship.
Frequently asked questions.
How long does credit repair take?
Most clients see their first results within 30-45 days, though full disputes can take 2-4 billing cycles depending on the bureau and creditor response times.
Is my data secure?
Yes — all account connections use bank-level encryption through Plaid, and we never store your banking credentials directly.
Can I change my subscription tier later?
Yes, anytime — message your advisor or visit your billing settings to upgrade or downgrade.
What if I have a question my advisor hasn't answered yet?
Message us anytime through the Messages tab, or book a live consultation — we respond within one business day.
Need help? We're here for you.
Message
Chat with your advisor
Schedule
Book a live consultation
Learn
Browse financial education
ElaVar Advisory · Curated Learning
Financial Education
The knowledge that builds generational wealth — distilled into lessons you can actually use.
Articles
Courses
Live classes
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My Financial Vault
Securely store and organize your financial documents
Documents
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Upload your financial documents to keep everything in one secure place
My Account
My Financial Profile
Based on your assessment — your advisor reviews this with you
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Platform Tour
Let LaVar walk you through every section — Reserve, Credit, Education, Investments and more.
Share ElaVar

Know someone who could use help with their finances? Share your link — when they become a client, you both win.

Your Referral Link
https://www.elavaradvisory.com
How it works
1. Share
Send your link to someone who could use help with their finances.
2. They join
Your friend gets 20% off their first month when they subscribe.
3. You earn
You get a free month on your own plan once they become a client.
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ElaVar Intelligence
Always available · Powered by LaVar
Financial Command Center
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Financial Health Score
Health Scores
Credit Health
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Cash Flow
— /100 ▾
Emergency Fund
Emergency Fund
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Investment Portfolio
Total Portfolio Value
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Overall Score—