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Accounts*
In most cases, client accounts are as diverse as the clients themselves are. Being an independent practitioner allows me the flexibility of working with clients in the most comprehensive ways. We can establish almost any kind of account needed to accomplish your goals.
I feel one of the most cost effective and efficient investment accounts is the "fee based account". Paying an annual fee based on the value of your assets in the account avoids commissions and trading fees. We can then have an account with "best of class" (as determined by Morningstar®) investments and re-balance the account as needed without the worry of ongoing trading costs.
Comprehensive financial planning includes estate planning. In many cases, establishing a "trust account" allows the creator of the account to create "rules" around the disposition of the assets and income from those assets that is consistent with their will and overall estate plan.
The primary vehicle to save for retirement today is the 401K or 403B plan. These types of plans are "contributory" plans. The employee contributes a percentage of their salary each pay period. Sometimes the employer will match the contribution up to a certain percentage. These types of retirement plans have become the primary retirement saving vehicle in the private sector work force. It is important to stay informed of your choices and performance of your 401K and 403B plans. Michael offers management services to his clients to make sure they get the most out of their 401K and 403B plans.
Michael Emser Wealth Management Group, Inc.
IMPORTANT CONSUMER INFORMATION
This communication is strictly intended for individuals residing in the states listed below. No offers may be made or accepted from any resident outside the specific state(s) referenced.
A broker-dealer, Registered Investment Adviser, BD agent, or IA representative may only transact business in a state if first registered appropriately. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements.
For information concerning the license status or disciplinary history of a broker-dealer, registered investment adviser, BD agent, or IA representative, a consumer should contact his or her state securities law administrator.
Securities and advisory services offered through United Planners' Financial Services of America. A Limited Partnership. Member FINRA/SIPC. The Michael Emser Wealth Management Group, Inc. and United Planners are not affiliated.
We are registered to sell Insurance Products in the following states:
Florida, New York, Pennsylvania, and Washington
We are registered to sell Securities in the following states:
Arizona, California, Colorado, Connecticut, Florida, Georgia, Massachussets, New York, Oregon, Pennsylvania, South Carolina, Texas, Utah, Virginia, and Washington