{"url":"https://nivawealth.com/firms/financial-empowerment-131425","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/131425","regulatoryAum":126374281,"crd":"131425","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4318694","suffix":null,"lastName":"GARRETT","firstName":"KRISTIN","middleName":"LYNEE"},{"crd":"1314881","suffix":null,"lastName":"STANZAK","firstName":"JANET","middleName":"ANN"}],"total":2,"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"},"secFileNumber":"801-136104","legalName":"Financial Empowerment LLC","displayName":"Financial Empowerment","slug":"financial-empowerment-131425","website":"https://finempowerment.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/131425/a5d029cd0593098d-r1.webp","tone":"light","width":643,"height":200,"sourceUrl":"https://www.finempowerment.com/","sourceLabel":"Financial 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individuals","clients":73,"regulatoryAum":119544520}],"feePrograms":[{"role":"other","program":"Consulting Services","summary":"Consulting services are billed hourly at $450 per hour, with a total-hours estimate agreed at the start of the relationship.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1034998","versionId":1034998,"submittedOn":"2026-03-31","documentName":"2026.03.31 ADV PART 2A BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T13:06:42.527414+00:00","documents":[{"name":"2026.03.31 ADV PART 2A BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1034998","versionId":1034998,"submittedOn":"2026-03-31"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1035000","versionId":1035000,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1034999","versionId":1034999,"submittedOn":null}]},"custodians":[],"custodyNote":"Financial Empowerment does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Kristin Garrett","title":"Member","crd":"4318694"},{"name":"Janet Stanzak","title":"CCO","crd":"1314881"}],"ownership":[{"label":"Janet Stanzak","detail":"Cco in the 50% to 75% ownership band and a control person, since March 2004."},{"label":"Kristin Garrett","detail":"Member in the 25% to 50% ownership band and a control person, since July 2020."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Minnesota","offices":1,"addresses":[{"street":"11995 County Road 11, #130","city":"Burnsville","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"952-646-0026","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)","Other"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":5},{"label":"U.S. state and local bonds","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":81},{"label":"Cash and cash equivalents","percent":12}],"privateFunds":0},"sources":{"adv1FilingDate":"31 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/131425/PDF/131425.pdf","brochureDate":"31 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1034998","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 Financial Empowerment have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Financial Empowerment offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How many financial advisors does Financial Empowerment have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Financial Empowerment invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Financial Empowerment?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Financial Empowerment get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Financial Empowerment?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 31 March 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."}