A complete list of active advisors currently associated with EM Financial Services, LLC

Warmer can help you find a great advisor at EM Financial Services, LLC or one who fits your needs even better.

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.

To learn more about the advisors currently working at EM Financial Services, LLC, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name	Location	Years of experience
Paul Walkington	Miami, FL	29

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