Broker Check



Certified Financial Planner


Working with Michael Emser

Michael J. Emser, CFP® is a CERTIFIED FINANCIAL PLANNER™ practitioner, president of Wealth.Future, Inc., and an investment advisor representative of United Planners Financial Services. Mike helps a variety of professionals, business owners, and hard working families with financial planning and wealth management issues. He begins the process of planning with a discussion of "what does your money really mean to you".

Our mission

"We handle the financial affairs of successful people so they may enjoy the fruits of their labor".

Michael offers prospective clients a free introductory meeting where you can discuss your situation with him and then in turn he can explain how the process works. After which you will be able to determine if we have a reason to work together.

Speaking Engagements

  • Medaille College — Former Adjunct Professor
  • Alden High School— Guest Instructor
  • WXRL 1300 AM
  • WECK 1230 AM

Professional Activities

  • Financial Planning Association of WNY — Member



Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

Comprehensive Life Planning

We find today that the phrase "retirement planning" is somewhat antiquated because it does not adequately describe what we see today when our clients do "retire". They are not really retiring. We find most clients to be very active after they choose to leave the traditional career field. Many choose to work in an altogether different line of work, some volunteer, some write books about their experiences, some become caregivers to others. What used to be called retirement has become a completely new way of life for many. Therefore, we see our role as helping our clients integrate their wealth and finances with their new lifestyle. It's really about making clients wealth work for them. The entire process of financial planning is becoming more of a process of "life planning". Today clients are making sure their wealth allows them and their families to have the lifestyle they want now and even into the next generation.