Investment Management for Pre-Retirees
Your retirement deserves more than a managed account and a quarterly call.
Financial Empowerment LLC is a fee-only, fiduciary investment advisory firm built specifically for couples navigating the decade before retirement — where the decisions are real and the stakes are high.
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Cornerstone Investment Management
Institutional-grade investment management for your retirement transition — with the financial planning to match.
Who It’s For
- ✓ Married couples, ages 55–70, with $750,000 or more in investable assets — IRAs, 401(k)s, taxable accounts, or a combination
- ✓ 3–7 years from retirement, facing decisions that reward getting right: RSU vesting, concentrated stock positions, equity compensation, pension elections, or Roth conversion windows
- ✓ Couples who want both spouses engaged in the plan — not just one managing everything while the other is kept in the dark
What’s Included
A written, personalized document defining your goals, risk parameters, and investment strategy
Allocation built around your life stage, human capital, and proximity to retirement — not a generic model
Ongoing portfolio oversight — monitored continuously, rebalanced when your IPS parameters require it
Tax strategy, Roth conversions, IRMAA planning, Social Security timing, and retirement income design — no additional fee, no threshold to qualify
Written updates covering portfolio performance, allocation drift, and market context — delivered every quarter
A formal annual review to confirm your strategy still reflects your goals, timeline, and risk tolerance
The Investment Process
Fee Schedule
| Portfolio Value | Annual Fee Rate | Example: $1.5M Portfolio |
|---|---|---|
| First $1,000,000 | 1.25% | $12,500 |
| Next $1,000,000 ($1M–$2M) | 0.75% | $3,750 |
| Above $2,000,000 | 0.50% | — |
| Blended Total (Example) | ~1.08% | $16,250/year |
Minimum account size: $750,000 | Minimum annual fee: $9,375 | Financial planning included for all investment management clients.
One-Time Engagement
Second Opinion
An independent look at your portfolio — before you retire.
You may already have an advisor. The Second Opinion isn’t a pitch to replace them — it’s a CFA-level review of your current portfolio before a major transition. Most people approaching retirement have never had their portfolio examined by someone with no stake in the outcome.
This is an honest, standalone engagement. You’ll receive a clear written assessment of your allocation, fee structure, and risk exposure — plus a 60-minute debrief to walk through the findings. No sales pitch. No follow-up pressure. Just clarity.
If the review confirms your current strategy is solid, you’ll have that confidence going into retirement. If it surfaces something worth addressing, you’ll know what to ask your advisor — or who else to call.
What’s Included
- ✓ Full review of your current portfolio allocation
- ✓ Fee and investment cost analysis
- ✓ Risk assessment relative to your stated goals and timeline
- ✓ Written summary with specific, actionable recommendations
- ✓ 60-minute debrief call to walk through findings
Flat Fee
One-time engagement. No retainer. No ongoing obligation. Due in full at engagement.
Request a Second OpinionReady to invest with institutional-grade discipline?
Schedule a 30-minute introductory call — no pressure, no pitch, just a direct conversation about whether this is the right fit.
Schedule a ConversationAdvisory services offered through Financial Empowerment LLC, an investment adviser registered with the state of Texas. Registration does not imply a certain level of skill or training. Advisory services are only offered to clients or prospective clients where Financial Empowerment LLC and its representatives are properly registered or exempt from registration.
The information on this site is not intended as tax, accounting or legal advice, nor is it an offer or solicitation to buy or sell, or as an endorsement of any company, security, fund, or other offering. Information provided should not be solely relied upon for decision making. Please consult your legal, tax, or accounting professional regarding your specific situation. Investments involve risk and have the potential for complete loss. It should not be assumed that any recommendations made will necessarily be profitable.
The information on this site is provided “AS IS” and without warranties either express or implied and the information may not be free from error. Your use of the information provided is at your sole risk.
Past performance is not a guarantee of future results. Investments are not guaranteed and may lose value. Different types of investments involve varying degrees of risk. There can be no assurance that a specific investment will be suitable or profitable for a client’s portfolio. This site contains forward-looking statements which are aspirational in nature. There can be no assurance that the author’s views will come to pass.
Indexes are unmanaged measures of market conditions and do not incur fees or transaction costs, the payment of which would decrease the reported performance. It is not possible to invest directly in an index.
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