Since 1987, we have been providing "down to earth" advice based on your situation. We start with appraising where you are today and compare it to where you want to be in the future. Although we itemize various financial services, we believe that your financial success rests on having all the pieces of your financial life working together. Therefore, we feel there is only one way to assure your success and that is looking at all the various aspects of your financial life and creating a financial plan* that accounts for making sure they are working together. In addition, we must protect ourselves from the various risks the financial plan* can have. Through Michael Emser's affiliation as a registered representative of United Planners, he can offer the following services.