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Financial Planning Services

As retirement and investment specialists, we focus on creating value, security, and peace of mind for our clients and their families. Within our specialties we focus on protecting our clients’ life savings from market volatility, we establish family legacies, and we create strategies to provide for future income needs and reduce income tax liabilities. While developing customized financial plans, we walk our clients through a step-by-step process that helps them feel confident in their decisions.

We take pride in understanding our clients’ individual needs and goals, and forming lasting relationships with our clients so that we can continue to provide a high level of service as their needs change. We reduce risk and provide stability to protect our clients from the “unknowns” in life. This predictability allows us to implement sustainable investment and retirement income plans to protect our clients from the unexpected.

Once our clients’ goals have been established, we customize appropriate strategies to suit their vision and objectives and to help them execute a sound financial plan by utilizing the following products and services:

Tax Free Retirement

Do you believe there will be higher taxes in the future? Do you want to wait until they change the tax laws or do you want to do something before they change the tax laws?
A proper retirement income plan should include multiple streams of retirement income. At least one of those income streams should be non-taxable. At Empowered Financial Group, we will show you how to grow your money risk, access your retirement dollars tax-free, and leave an income-tax-free inheritance to your heirs.

Is Tax Free Retirement too good to be true? Do you qualify for Tax Free Retirement? Don’t you deserve better?

Wealth Management

We provide a Money Management System for pre-retiree’s, retiree’s and conservative investors. The average person does not understand that the classic brokerage houses and banks’, buy and hold methodology, does not work. There is no probability of success. Folks have no idea where they will be in 5, 10, 15 years. All you end up with is a Hope and A Prayer Portfolio. Don’t you deserve more? We think so.

You have options. You do not need to settle. You cannot afford to go backwards. When the next Great Recession hits, which is coming, which type of a portfolio do you deserve? A “Safe and Secure I did not lose” portfolio, or “I am just like everyone else and lost 40%’’. The brokerage and bank model of “Buy and Hold, Hope and a Prayer” portfolio management does not work. Question to ask is, “What happened to my portfolio in the last Great Recession, did I go backwards? Am I just getting back what I lost? Empowered Financial Group, specializes in providing Low Volatility, Low Risk, Successful Investment Management Solutions.

Our wealth preservation strategies are designed to help you reach your financial goals. Although investment vehicles may change from time to time, we utilize a variety of fixed accounts, as well as high quality private wealth managers of both bond funds and equity portfolios that have historically yielded high rates of return with reduced volatility.

At Empowered Financial Group, we take the time to get to know you, your needs, your risk tolerance, your time horizon, and your goals. Every client is different, that is why we go through the financial evaluation process with every client before discussing any investment strategies. We believe that having a detailed, well thought out wealth plan in both the accumulation and distribution stages is critical in achieving a successful, worry-free retirement. Our thorough, comprehensive planning process allows us to address all of your investment concerns, including protection from market volatility, income planningretirement goals, legacy planning, and most importantly, peace of mind.


Risk Management

“Rule No. 1: Never Lose Money.
Rule No. 2: Never Forget Rule No. 1.”
- Warren Buffet

We do not like Risk. Our focus is Low Risk, Low Volatility, Successful Investment Solutions. Through our Money Management System, we show you strategies to reduce market losses. We show you how to be Defensive in bad times and Opportunistic in good times. You cannot have a safe and secure future without managing your risk. Through our exclusive Three Bucket Approach we will assess you’re overall Risk. It is the cornerstone of a successful plan.

How many -40% years can you take? We are able to provide you with a wealth of resources to help manage yours. Through our risk management system, Empowered Financial Group, can help you protect the things that are most important to you. We will identify, assess, and prioritize your potential risk. We will then coordinate and apply resources to minimize and monitor liabilities while maximizing opportunities—being defensive in bad times and opportunistic in good times.

Retirement Planning

What do you think of, when you think about retirement?  Do you think about going some place warm for the winter, owning a beach house, visiting family and friends, or traveling the world.  Retirement is meant to be the best years of your life.  But, you need to plan for it.  Fewer companies are offering pension plans and there is a lot of uncertainty about the reliability of Social Security, therefore, it is more important than ever to save and plan for your own retirement.

Since 1900 the United States has had 22 recessions, one about every 5-6 years.*  Seniors today are living longer than ever.  So, retirees could spend 25+ years in retirement.  This means you could have 4-5 significant market corrections.  Can you and your portfolio afford that?  It’s a scary thought; how many -40% years can your portfolio survive before it runs out of money?  None!  Today’s retirees and pre-retirees cannot jeopardize their future.  You deserve more.

Capital Preservation is the starting point to any successful retirement in the distribution phase, once a person retires.  And once in the distribution phase, you cannot afford to go backwards.  One bad move and a retiree or a pre-retiree is in trouble.
Through our Money Management System we show pre-retirees, retirees, and conservative investors how to not go backwards over 5, 10, 15, 20 years.  Wouldn’t you be winning by not losing?

We provide a Money Management System; we are not product driven.  Pete is an Investment Advisor Representative, meaning that he must put your interests first.
We will advise you on your options contained within your employers’ retirement plan.  We will also calculate and analyze which pension options are best for you and your family. Folks think that if they are with a big broker, a big bank, or a Mutual Fund company, their advisor is up to speed with all the changing information coming into play.  This is not always the case.

“Since IRAs were first established, the only thing most advisors and investors have worried about is how to get money into them.  Now, with baby boomers entering their retirement years, and once-secure pensions disappearing, investors will have to change their focus.  The real issue now is how to get money out of their IRAs correctly without losing an undue amount to taxes or penalties,” Mr. Ed Slott

Insurance Planning

All serious financial plans should consider the needs and benefits of insurance.  Insurance is important because you have worked hard to build a solid financial foundation for you and your family, so it is now the time to protect it.

We will advise you as to which type of policy is best for you, how much insurance you really need, and the right company that you’re your needs. We will also take into consideration the structure of ownership on your policies to avoid estate taxes.  If you already have insurance policies in place, we can perform an independent evaluation of your coverage.  There is a fine line between the right amount of insurance coverage and being over-insured.  The extra dollars can be working hard for you elsewhere.

Tax Reduction

We have the programs to help you determine if you can reduce or eliminate your income taxes to help you answer the following questions.

  • Can you eliminate the taxes on your Social Security?
  • Are you being 1099 interest that is not actually income?
  • Should you consider a Roth conversion?
  • Is it possible to create tax free income?
We can provide a Roth conversion analysis to find out if it’s beneficial for you. If you’re still paying income taxes, what’s going to happen to your retirement income in the future if the government raises taxes?

Call 608-212-7300 so we can help you design a low risk, low volatility, successful investment portfolio for your peace of mind or click here to schedule a no obligation initial consultation with Pete Cymbalak. YOU DESERVE BETTER!

Empowered Financial Group | 1817 Shady Point Dr | Verona WI 53593