EM Financial Services, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
0
Very LowAverage account size
—
About
EM Financial Services, LLC provides discretionary and non‑discretionary asset management, financial planning and consulting, and pension‑plan advisory services, including limited‑scope ERISA 3(21) fiduciary support for qualified retirement plans. The firm also arranges access to third‑party money managers and acts as a liaison between plan sponsors or pooled vehicles and those managers.
Investment programs are developed from documented client objectives, time horizons and risk tolerances and may employ fundamental, technical, charting, cyclical analysis and Modern Portfolio Theory as appropriate. For some mandates EM Financial delegates investment implementation to third‑party managers, monitors their performance and delivery of disclosures, and maintains an ongoing advisory relationship with those TPMs.
Notable features in the brochure that are uncommon among peers are the explicit ERISA 3(21) pension consulting role, formal referral/fee‑sharing arrangements with third‑party managers (including named TPM relationships), and the firm’s affiliated insurance and related businesses which its advisory personnel operate alongside the advisory practice. The firm also discloses that it offers planning on an hourly or fixed‑fee basis in addition to asset‑based advisory services and that it does not vote client proxies.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Occupation focus
Founder/Business Owner
Fee options
Up to $5,000 flat fee for full financial planning, based on complexity
$0 - $249,999: 2.0% $250,000 - $499,999: 1.5% $500,000 - $999,999: 1.0% $1,000,000 - $1,499,999: 0.90% $1,500,000 - $1,999,999: 0.85% $2,000,000 - $4,999,999: 0.80% $5,000,000+: 0.70%
$250 per hour for financial consulting services
Fee-only: Hourly fees at $250 per hour; fixed fees up to $5,000 for financial planning
Main office location
EM Financial Services, LLC
13500 Sw 88 Th St., Suite 291
Miami FL 33186, United States
Number of offices
1
Most active in
EM Financial Services, LLC has reported serving >5 clients in these states in the last 12 months.
Florida · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
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.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
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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