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Office: 716.633.1999

Mobile: 716.861.5051

Fax: 716.633.4847

2306 Wehrle Drive

Williamsville, NY 14221

series 24; series 7;

Memser@UnitedPlanners.com

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

Copyright 2022 FMG Suite.

*Michael Emser is a registered representative offering securities and investment advisory services through United Planners' Financial Services of America, A Limited Partnership Member: FINRA/SIPC. Wealth.Future and United Planners are not affiliated.

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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. Wealth.Future, 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: Alaska, Arizona, California, Colorado, Connecticut, Florida, Illinois, Massachussets, Nevada, New York, Ohio, Pennsylvania, South Carolina, Texas, Virginia, and Washington.