Uncompromising Work and an Up-Front Nature from Experienced Financial Professionals

Practices & Beliefs

By putting our customers first and removing self-interest, Full Picture Financial really CLICKs with clients:



Not just listening but "hearing" the client and making recommendations aligned with their specific situation and designing personal strategies together from the ground up.


Leveraging Technology

This speeds along the analysis process and helps provide quick feedback while increasing accuracy and providing access for the client to view accounts and make changes at will.



There is no compensation from products or joint marketing with organizations making us beholden to a product which could compromise the integrity of solutions presented to you.



Not only is the education individual to your current situation and needs, recommendations and portfolio management are as varied from one client to the next in as much as each person is completely different.



Always in motion, we will never rest on our laurels and accept common methods to be the only way of accomplishing your goals. As your portfolio will constantly be tended to, the information you receive and choices presented will be current and fresh.

A Comprehensive Approach To Financial Management:

While we can help with portfolio management or general consultation, we prefer to take a more Comprehensive approach and move beyond the transactional base you may have established elsewhere. We provide a full range of advisory services for less affect on your bottom line than traditional advisors may charge to handle one specific area.

Availability & Timeliness:

We believe in Availability and Timeliness ... Our advisors have no need to manage hundreds of clients or shoehorn meetings into 1-hour sessions every few months. We return calls that day and are available for face-to-face meetings within 72 hours or less.

Services & Fees

We provide a full range of advisory services for less affect on your bottom line than traditional advisors may charge to handle one specific area.

Recommendations and portfolio management are as varied from one client to the next in as much as each person is completely different.

Working directly with you, our advisors can consult with you, in person, and travel directly to you for a fixed hourly rate.

Fee Calculator

Use to determine what your comprehensive planning fee might be.

Cost for Stand-Alone Active Asset Management

Fee Structure

1.1%     0 – 199,999
1.0%     200k – 499,999
0.9%     500k – 999,999
0.8%     1mil – 1,499,999
0.7%     1.5mil – 1,999,999
0.6%     2mil – 2,999,999
0.5%     3mil+

Into whichever range you fall, that is your annual fee. For those with $550k in assets under FPF management, we do not charge 1.1% on the first $200k, 1% on the next $300k, and 0.9% on the final $50k. It's all 0.9%.


Hourly, One-Time Planning, and Speaking Engagements

$180 / hour

2 Hour Minimum, if any travel is required.
Web Meetings have a 1 Hour Minimum.
Hours can be prepaid and hours unused are good for the next 12 months.

6+ hours purchased get a 15% discount.
This discount can be applied retroactively. Those wishing to have a written, stand-alone financial plan and its related recommendations will work with the Advisor to define the scope of their engagement (usually between 5 and 15 hours).

Booking one of our advisors as a speaker comes at the hourly rate. Travel to/from the event is billed as part of the hourly and the discount does apply. Accommodations, if necessary, will be handled by the host organization.

About Ross

Ross is a 20-year veteran of the financial services industry and a Certified Financial Planner PractitionerTM for the better part of this decade. He has truly enjoyed seeing to the creation and maintenance of comfortable retirements for thousands of people and has spent much of the last 10 years specializing in helping improve the financial education of municipal employees.

Ross holds a Bachelor of Arts Degree from the State University of New York College at Geneseo.  Majoring in Communication with a Minor in Finance, Ross is one of those people who improves upon his education (and that of others) every day by effectively communicating about people's finances.

He has produced over 1,500 comprehensive personal financial plans and their related recommendations. He is one of those special, highly experienced persons who truly enjoys getting the calculator out, doing the math, and helping people allocate assets within their portfolios as efficiently as possible.

Aside from loving the numbers and research involved with the financial services industry, Ross is a sports fan, plays tennis from time to time, is beloved by almost every dog in the world, and likes trying new restaurants (and is always ready with a suggestion for those looking to branch out).

Ross D. Emmer, CFP®

Care to Receive True Value from Your Advisory Relationship?

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The material in the website has been distributed for informational purposes only.   The material contained in this website is not a solicitation to purchase or sell any security or offer of investment advice. Information contained herein has been obtained from sources believed to be reliable, but not guaranteed.  Past performance is not a guarantee or a reliable indicator of future results.  Investing in the markets is subject to certain risks including market, interest rate, issuer, credit and inflation risk; investments may be worth more or less than the original cost when redeemed.   No part of this website may be reproduced in any form, or referred to in any other publication, without express written permission.  

Ross Emmer is an Investment Advisor Representatives with Dynamic Wealth Advisors dba Full Picture Financial, LLC. All investment advisory services are offered through Dynamic Wealth Advisors. A copy of Dynamic Wealth Advisors’ ADV Part 2A Firm Brochure is available upon written request and can also be found on the Securities and Exchange Commission website at by searching under crd #151367.