Financial Empowerment provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 101–250 clients last fiscal year.
Financial Empowerment reports 100 clients. They include 73 high-net-worth individuals and 27 individual clients. Of its assets, 100.0% ($126M across 334 accounts) are managed with discretion. It advised 13 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 27% | 5% |
| High-net-worth individuals | 73% | 95% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 27 | $6.83M | 5.4% | $253K |
| High-net-worth individuals | 73 | $120M | 94.6% | $1.64M |
| Total | 100 | $126M | 100% | $1.26M |
- Clients
- 27
- Regulatory AUM
- $6.83M
- AUM share
- 5.4%
- Avg. per client
- $253K
- Clients
- 73
- Regulatory AUM
- $120M
- AUM share
- 94.6%
- Avg. per client
- $1.64M
Total
- Clients
- 100
- Regulatory AUM
- $126M
- AUM share
- 100%
- Avg. per client
- $1.26M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 13
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Financial Empowerment is paid through a percentage of assets under management, hourly charges, fixed fees (other than subscription fees) and other compensation. The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Consulting Services
- Consulting services are billed hourly at $450 per hour, with a total-hours estimate agreed at the start of the relationship.
Janet Stanzak owns 50% to 75% of Financial Empowerment. It has 2 employees.
Leadership
- Kristin GarrettMember
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 2 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 50% to 75% of Financial Empowerment LLC
Janet Stanzak
Control person · since March 2004
- Owns 25% to 50% of Financial Empowerment LLC
Kristin Garrett
Control person · since July 2020
Besides its headquarters, Financial Empowerment has 0 offices, with 1 listed address in Minnesota.
Minnesota · 1 listed address
- 11995 County Road 11, #130, BurnsvilleHQ
Contact and registration details
- Legal name
- Financial Empowerment LLC
- Headquarters
- 11995 County Road 11, #130, Burnsville, MN 55337
- Website
- finempowerment.com
- Phone
- 952-646-0026
- SEC file
- 801-136104
- Structure
- Minnesota LLC
- Fiscal year end
- December
Financial Empowerment does not have custody of client assets.
At year end, Financial Empowerment’s separately managed accounts were mostly in funds (81%) and cash (12%).
What the accounts hold
- Stocks5%
- Funds81%
- Bonds2%
- Cash12%
How many clients does Financial Empowerment have?
Financial Empowerment has 100 clients and manages $126 million for them, as of March 2026. They include 73 high-net-worth individuals and 27 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 31 March 2026
What services does Financial Empowerment offer?
Financial Empowerment provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How many financial advisors does Financial Empowerment have?
Financial Empowerment has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Financial Empowerment invest in?
At the end of its last fiscal year, Financial Empowerment’s separately managed accounts held 81% registered funds (mutual funds, ETFs, BDCs), 12% cash and equivalents, 5% exchange-traded equities and 2% state and local bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Financial Empowerment?
Financial Empowerment’s direct owners are Janet Stanzak (50% to 75%) and Kristin Garrett (25% to 50%).
Source: Form ADV Part 1A, Schedules A and B, filed 31 March 2026
How does Financial Empowerment get paid?
Financial Empowerment is paid through a percentage of assets under management, hourly charges, fixed fees and other compensation. 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
How do I contact Financial Empowerment?
Financial Empowerment’s main office is at 11995 County Road 11, #130, Burnsville, MN 55337. Its phone number is 952-646-0026. Its website is finempowerment.com.