{"url":"https://nivawealth.com/firms/empower-financial-advisory-313968","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/313968","regulatoryAum":635801070,"crd":"313968","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7226974","suffix":null,"lastName":"Gerlach","firstName":"Nicholas","middleName":"James"},{"crd":"2581746","suffix":null,"lastName":"OBLINGER","firstName":"LORI","middleName":"KATHRYN"},{"crd":"1987830","suffix":"JR","lastName":"WILLIAMS","firstName":"RONALD","middleName":"ELWOOD"},{"crd":"6978336","suffix":null,"lastName":"Williams","firstName":"Ronald","middleName":"Frederick"}],"total":4,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-07-13","regulatoryAum":0,"clients":0,"employees":9,"offices":1},{"filedOn":"2022-03-09","regulatoryAum":412035750,"clients":308,"employees":8,"offices":1},{"filedOn":"2023-04-05","regulatoryAum":340387350,"clients":317,"employees":7,"offices":1},{"filedOn":"2024-06-18","regulatoryAum":411712901,"clients":317,"employees":7,"offices":1},{"filedOn":"2025-02-07","regulatoryAum":535018387,"clients":370,"employees":7,"offices":1},{"filedOn":"2026-05-06","regulatoryAum":635801070,"clients":295,"employees":7,"offices":1}],"secFileNumber":"801-121271","legalName":"Empower Financial Advisory, LLC","displayName":"Empower Financial Advisory","slug":"empower-financial-advisory-313968","website":"https://empowerfa.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"2017","organization":"Connecticut limited liability company","fiscalYearEnd":"December","headquarters":{"street":"655 Winding Brook Drive","city":"Glastonbury","state":"CT","stateName":"Connecticut","country":"United States","postalCode":"06033"},"tradeNames":[],"registration":{"secApproved":"21 May 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2191383,"staff":{"employees":7,"advisory":4,"brokerDealerReps":0,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":635801070,"discretionary":635801070,"discretionaryAccounts":1508,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":90,"regulatoryAum":126860214},{"label":"High-net-worth individuals","clients":200,"regulatoryAum":508640856},{"label":"Pension and profit-sharing plans","clients":5,"regulatoryAum":300000}],"feePrograms":[{"role":"main","program":"Investment Management Services","feeBasis":"marginal","fee_tiers":[{"to":400000,"pct":1.25,"from":0},{"to":1000000,"pct":1,"from":400000},{"to":2500000,"pct":0.8,"from":1000000},{"to":5000000,"pct":0.6,"from":2500000},{"to":10000000,"pct":0.5,"from":5000000},{"to":null,"pct":0.25,"from":10000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1044241","versionId":1044241,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-05-06","documentName":"EMPOWER DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS","fee_rate_low":0.25,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Ongoing financial planning","summary":"Ongoing financial planning is a fixed engagement fee of $1,500 to $20,000 a year.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1044241","versionId":1044241,"submittedOn":"2026-05-06","documentName":"EMPOWER DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS"},{"role":"other","program":"Project-based financial planning","summary":"Project-based planning is billed at up to $300 an hour or a fixed engagement fee of $1,500 to $20,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1044241","versionId":1044241,"submittedOn":"2026-05-06","documentName":"EMPOWER DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T07:45:39.138276+00:00","documents":[{"name":"EMPOWER DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1044241","versionId":1044241,"submittedOn":"2026-05-06"}]},"custodians":[{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":605168000}],"custodyNote":"Empower Financial Advisory does not have custody of client assets.","leadership":[{"name":"Ronald Williams","title":"President and Chief Compliance Officer","crd":"1987830"}],"ownership":[{"label":"Ronald Williams","detail":"President and chief compliance officer in the 75% or more ownership band and a control person, since April 2021."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Connecticut","offices":1,"addresses":[{"street":"655 Winding Brook Drive","city":"Glastonbury","headquarters":true}]}],"brochureServices":["education planning","insurance","philanthropic planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"860-494-2600","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services"],"financialPlanningClients":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":98},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"6 May 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/313968/PDF/313968.pdf","brochureDate":"6 May 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1044241","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Empower Financial Advisory have?","answer":"Empower Financial Advisory has 295 clients and manages $636 million for them, as of May 2026. They include 200 high-net-worth individuals, 90 individual clients, and 5 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 6 May 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Empower Financial Advisory offer?","answer":"Empower Financial Advisory provides financial planning, portfolio management for individuals and small businesses, pension consulting, education planning, insurance, and philanthropic planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Empower Financial Advisory charge?","answer":"Empower Financial Advisory charges 0.25%–1.50% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.","source":"EMPOWER DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS, filed 6 May 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Empower Financial Advisory use?","answer":"Empower Financial Advisory’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $605M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 6 May 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Empower Financial Advisory have?","answer":"Empower Financial Advisory has 4 investment adviser representatives registered with state securities authorities, out of 7 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Empower Financial Advisory invest in?","answer":"At the end of its last fiscal year, Empower Financial Advisory’s separately managed accounts held 98% registered funds (mutual funds, ETFs, BDCs), 1% exchange-traded equities and 1% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Empower Financial Advisory?","answer":"Empower Financial Advisory’s direct owner is Ronald Williams (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 6 May 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Empower Financial Advisory get paid?","answer":"Empower Financial Advisory is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Empower Financial Advisory registered with the SEC?","answer":"Yes, Empower Financial Advisory has been registered with the SEC as an investment adviser since 21 May 2021. Its CRD number is 313968 and its SEC file number is 801-121271.","source":"Form ADV Part 1A, Item 1, filed 6 May 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Empower Financial Advisory?","answer":"Empower Financial Advisory’s main office is at 655 Winding Brook Drive, Glastonbury, CT 06033. Its phone number is 860-494-2600. Its website is empowerfa.com.","source":"Form ADV Part 1A, Item 1.F, filed 6 May 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}