Disclosed are modular filter-in-filter elements, namely an outer filter element and an inner filter element which may be assembled to form a filter cartridge for use in separation methods and systems. The outer filter element typically functions as a coalescing element and the inner element typically functions as a particulate filter element. The disclosed filter cartridges may be structured for separating water from a hydrocarbon-based liquid fuel as the fuel moves through the cartridge from outside to inside.