EM Financial Services, LLC offers a wide range of financial services including portfolio management, financial planning, insurance management, and retirement plan consulting. EM Financial Services manages portfolios on both discretionary and non-discretionary bases, tailoring investment strategies to each client's specific goals, risk tolerance, and time horizon. The firm also assists clients with fixed, indexed, and variable annuities, and provides comprehensive financial plans covering topics such as retirement strategies, cash flow analysis, tax reduction, and estate preservation. Additionally, EM Financial Services can connect clients with third-party money managers while maintaining ongoing oversight. The firm operates with a focus on acting in the best interest of clients, though certain team members maintain outside business activities as insurance agents, which presents a conflict of interest that is mitigated through disclosures.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 2.00% |
| $250K - $500K | 1.50% |
| $500K - $1.0M | 1.00% |
| $1.0M - $1.5M | 0.90% |
| $1.5M - $2.0M | 0.85% |
| $2.0M - $5.0M | 0.80% |
| $5M+ | 0.70% |
Fees are negotiable based on historical relationship, asset type, anticipated future assets, and account composition. Cash is included in asset calculations.