Empowered Retirement, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$78,668,895
Clients
117
32% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
117
Very HighAverage account size
$672,384
About
Empowered Retirement, Inc. provides discretionary portfolio management, stand‑alone financial planning, and consulting to a range of clients including individuals, high‑net‑worth clients, nonprofit entities and corporate sponsors. The firm allocates assets among institutional mutual funds, ETFs, municipal bonds, closed‑end funds and individual stocks and bonds, and may advise on non‑investment matters such as estate and insurance planning when requested.
The adviser operates on a fee‑only, percentage‑of‑assets basis and describes its investment framework as consistent with Modern Portfolio Theory and the Efficient Market Hypothesis, favoring low‑cost, diversified funds with periodic rebalancing alongside fundamental analysis. It implements both long‑term and shorter‑term purchase strategies, conducts ongoing monitoring and periodic or event‑driven account reviews, and offers stand‑alone planning engagements on a fixed‑or hourly‑fee basis.
A distinctive element of the firm is its retirement plan consulting practice: it offers 3(21) and 3(38) services, participant education, and the ability to serve as an ERISA investment fiduciary for trustee‑directed plans—capabilities that are less common among peers of its type. The brochure also discloses reliance on third‑party platforms (including a third‑party account administrator), potential fee‑sharing arrangements with third‑party money managers, and referral/solicitor relationships, each of which the firm identifies and discloses as potential conflicts of interest.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Expertise
General retirement planning
Fee options
Financial planning and consulting services generally range from $3,000 to $7,500 on a fixed fee basis
$0 - $1,000,000: 1.00% $1,000,000.01 - $3,000,000: 0.85% $3,000,000.01 - $5,000,000: 0.75% $5,000,000.01 - $10,000,000: 0.60% $10,000,001.01 - $15,000,000: 0.50% $15,000,000.01+: 0.35%
$350 to $700 per hour for financial planning and consulting services
Minimum fee: Minimum quarterly investment advisory fee of $2,500 Fee-only: Investment advisory services on a non-negotiable fee-only basis; no commissions accepted
Main office location
Empowered Retirement, Inc.
101 Eisenhower Pkwy Suite 300
Roseland NJ 07068, United States
Number of offices
2
Most active in
Empowered Retirement, Inc. has reported serving >5 clients in these states in the last 12 months.
California · New Jersey · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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