Looking for coverage? We’ll give you quick, accurate, and affordable rates with the ultimate goal of giving you protection and prosperity.


Don’t worry – we’re here to help you.  Find your carrier, or feel free to call our office and we’ll be happy to walk you through the process.


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Protection and Prosperity

The most valued things in your life are what defines your prosperity.  From your family, your home, your business – it shapes who you are, what you love, and how you plan on achieving your aspirations.

Emerling, Floss, Murphy & Associates combines almost 200 years of experience and expertise to provide you the best solution for protection and prosperity.  We believe you can’t have one without the other.

We’re here to be your partner in prosperity.  Your insurance should be fulfilling your needs, while also providing full protection.  As an independent broker, we are able to piece together the various assets of your life and customize a program that will give you the ultimate protection for the best price.

We’re here to give you Protection and Prosperity.




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Emerling Floss Murphy & Associates Welcomes Douglas LaFay

Emerling Floss Murphy & Associates (EFM&A) is pleased to announce the hiring of Douglas LaFay, as a Financial Advisor with their Financial Services division, EMS Wealth Management.

Mr. LaFay joins EFM&A with over 20 years of experience working in the Financial Services and Insurance industry and is Registered and Licensed in Financial Services, as well as Life and Health insurance.

He graduated from the University at Buffalo with a Bachelor of Arts in Legal Studies and later completed his Master of Business Administration with a concentration in Finance at Canisius College.  After nearly 15 years as a Senior Advisor Consultant and Vice President with a trillion-dollar global investment company consulting with and educating financial advisors with stints in Florida, California, Hong Kong, Singapore, Pennsylvania & New York, Doug has left “the road” and is now applying that experience and expertise to assist clients of all stages of life to achieve their financial & retirement goals with EMS Wealth Management of Clarence, NY.

Born and raised in East Aurora, the LaFay family now resides in nearby Elma, NY. Doug’s wife, Jazmin, is a paralegal in downtown Buffalo, while twin sons, Nicholas and Donald attend Saint Mary’s High School of Lancaster, NY. When away from the office, Doug enjoys local sports and travel with his family.



Securities and Advisory Services offered by Cadaret, Grant & Co., Inc., a Registered Investment Advisor and Member FINRA/ SIPC. 9092 Main Street Clarence NY 14031 716-631-0190.  EMS Group, EMS Wealth Management, Emerling Floss Murphy & Associates, and Cadaret Grant are separate entities.

Fall 2020 Quarterly Newsletter

Welcome to our first quarterly newsletter as the newly merged Emerling Floss Murphy & Associates. In this edition, learn more about the merger, meet some new team members, and stay up to date on the latest and greatest from EFM&A!
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