EM Financial Services, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
EM Financial Services provides discretionary and non‑discretionary asset management, financial planning and consulting, and fee‑based management of fixed, indexed and variable annuities and life products for individuals, high‑net‑worth clients and business entities. The firm also offers retirement‑plan advisory services and may act as a limited‑scope ERISA 3(21) fiduciary for qualified plans.
The firm tailors portfolios to client goals, time horizons and risk tolerance and uses a mix of methods — including fundamental and technical analysis, charting and Modern Portfolio Theory — while offering both direct management and referrals to third‑party managers and acting as liaison on those relationships. For annuities it provides non‑discretionary selection of investment options and annual monitoring, and for retirement plans it assists plan sponsors with investment policy development, option monitoring and participant education.
Noteworthy features include an affiliation with insurance businesses and the advisers’ active role as insurance agents, which supports the firm’s annuity and life‑management services and is disclosed as a potential conflict of interest; the firm also receives ongoing referral compensation from third‑party managers. Compared with peers, EM Financial Services’ combination of fee‑based annuity management and pension/ERISA 3(21) consulting is relatively uncommon among independent advisers, and its small client base with no required account minimum points to a boutique, client‑specific operating model.
Client services
Expertise
Fee options
Financial planning flat fee up to $5,000 based on complexity and client needs
$0 - $249,999: 2.0% annually $250,000 - $499,999: 1.5% annually $500,000 - $999,999: 1.0% annually $1,000,000 - $1,499,999: 0.90% annually $1,500,000 - $1,999,999: 0.85% annually $2,000,000 - $4,999,999: 0.80% annually $5,000,000+: 0.70% annually
Investment Advisor Representatives receive typical insurance commissions for insurance products sold as licensed agents
Financial consulting services at $250 per hour
Fee-only: Hourly fee of $250 per hour; Fixed fee up to $5,000 for full financial planning (based on complexity and unique client needs)
Main office
13500 SW 88th St., Suite 291
Miami FL 33186
Advisors at this office
1
Most active in
Florida · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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