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Emanuel Moore & Associates provides a variety of services to our clients. Mr. Moore and his staff provide insurance and investment strategies and products to ensure that individuals, as well as businesses, achieve their financial goals. By working with many major insurance underwriters, EM&A is able to deliver proven insurance and investment products at extremely competitive rates. We can help with Life Insurance, Annuities, Long-Term Care Insurance, and How to plan for your retirement. Contact us today to learn how we can help you. Just call (410) 685-4049 or send us a message.

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(410) 685-4049 - local

(410) 230-9482 - Fax


10 N. Calvert Street

Suite 540

Baltimore, MD 21202

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Current market conditions have forced many people to re-think their retirement plans. Those already retired are worrying about sustaining their current standard of living in face of their reduced resources. Those nearing retirement worry about their future and consider postponing their retirement date, reluctantly accepting that they will have to work more years than they had previously anticipated. And those many years from retirement worry about whether to continue to invest in the market and whether the markets will recover sufficiently to allow them to retire.


Everyone is worried, and worry adds to an already stressful existence. Stress can compromise your physical and mental health. Alina Tugend wrote recently in the New York Times "Personal Business" section about a study of 3,000 people at the University of Michigan which examined the effects of chronic stress brought about by uncertainly about job security. The study found that, "People who felt chronically insecure about their jobs reported significantly worse overall health and were more depressed than those who had actually lost their jobs or had even faced a serious or life-threatening illness."

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