Financial Empowerment LLC

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Client assets under management

$126,374,281

Clients

100

73% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Typical

Average account size

$1,263,743

About

Financial Empowerment LLC provides comprehensive financial planning, discretionary investment supervisory services and consulting to individual and high‑net‑worth clients. The firm delivers written financial plans and ongoing account supervision, and offers both customized individual portfolios and model-based portfolio programs.

The firm combines client interviews and documented objectives to recommend either individualized portfolios that may include stocks, bonds, mutual funds and annuities, or ETF‑only model portfolios that are rebalanced on a quarterly schedule. Most advisory relationships are managed on a discretionary basis with guidance driven by clients’ stated goals, time horizon, tax considerations and any reasonable investment restrictions clients impose.

Distinctive features include a small, two‑advisor SEC‑registered adviser that recently transitioned to SEC registration as assets grew, and its Cornerstone program of ETF‑based model portfolios implemented through a custody relationship with Schwab. The brochure also discloses operational practices that may differ from peers, including aggregate block trading for execution and a firm policy of not voting client proxies (clients retain proxy voting responsibility).

Client services

Financial planning Portfolio management

Expertise

General retirement planning General tax planning Cash flow / budgeting

Fee options

Fixed

Financial Planning Flat Fee: $500 to $5,000 (quarterly retainer fee)

Percentage

$0 - $1,000,000: 0.65% $1,000,000 - $2,500,000: 0.55% $2,500,000+: 0.45%

Project-based

Financial Planning fees from $3,000 to $4,500 per hour depending on complexity; Consulting Services fees at $450 per hour

Subscriptions

Quarterly calculated Retainer Fee combining flat fee ($500 to $5,000) plus percentage of assets under management

Other

Account minimum: $500,000 Minimum fee: Financial Planning Flat Fee: $500 to $5,000 (quarterly calculated Retainer Fee) Fee-only: Financial Planning fees on a fixed fee basis ranging from $3,000 to $4,500 per hour; Consulting Services at $450/hour; Financial Planning Flat Fee plus AUM percentage fees as retainer

Main office location

Financial Empowerment LLC

11995 County Road 11, #130

Burnsville MN 55337, United States

Number of offices

Most active in

Minnesota · Texas

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website 952-646-0026

Advisors at this firm

Kristin G

CFP®, Series 66

Burnsville, MN

Financial Empowerment LLC

Kristin Garrett is a CFP® and Series 66 credentialed financial advisor at Financial Empowerment LLC with eight years of industry experience. She has been with Financial Empowerment since 2015, where she currently serves as one of two advisors at the firm. Financial Empowerment LLC provides financial planning, investment supervisory services, and consulting primarily to individual clients, including high-net-worth households. The firm combines comprehensive written financial plans with ongoing portfolio management through both customized discretionary portfolios and a model-driven ETF program, managing approximately $104 million for about 90 clients.

General retirement planning General tax planning Cash flow / budgeting

Janet S

CFP®, Series 63

Burnsville, MN

Financial Empowerment LLC

Janet Stanzak is a CFP® and Series 63-licensed advisor with 14 years of industry experience. She has been with Financial Empowerment LLC since 2004. Financial Empowerment LLC provides financial planning, investment supervisory services, and consulting primarily to individual clients, including high-net-worth households. The firm manages approximately $104 million for about 90 clients through a two-advisor team, offering both customized discretionary portfolios and a model-based ETF program with firm-managed quarterly rebalancing and reporting.

General retirement planning General tax planning Cash flow / budgeting

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