Financial Empowerment LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
Fee options
Financial Planning Flat Fee: $500 to $5,000 (quarterly retainer fee)
$0 - $1,000,000: 0.65% $1,000,000 - $2,500,000: 0.55% $2,500,000+: 0.45%
Financial Planning fees from $3,000 to $4,500 per hour depending on complexity; Consulting Services fees at $450 per hour
Quarterly calculated Retainer Fee combining flat fee ($500 to $5,000) plus percentage of assets under management
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
11995 County Road 11, #130
Burnsville MN 55337
Advisors at this office
2
Most active in
Florida · Minnesota · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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.
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.
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.
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