EM FINANCIAL SERVICES, LLC

Overview

EM Financial Services, LLC positions itself as a small, client-focused advisory firm that provides financial planning, portfolio management for individuals and small businesses, and selection-of-adviser services. The firm is identified as a capital allocator, which aligns with its use of third‑party managers and outside funds rather than an exclusively in‑house asset management model. EM Financial Services also lists pension consulting among its advisory activities, though the firm is not designated as a pension consultant in its snapshot profile. The firm’s business model appears flexible on fees: it uses a mix of percentage‑of‑AUM, hourly, fixed fees and other fee arrangements depending on client needs. EM Financial Services is not an active ESG investor and is not registered as a multi‑state adviser. The firm has an industry affiliation with an insurance company, suggesting some of its services or distribution may be tied to insurance products or relationships.

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Investments & Alternatives

Location & Offices