Everything Starts with Risk Management

We Help Create Retirement Income Strategies for People Nearing Retirement

What is Your Risk Number?

Capture your risk tolerance and see if your portfolio fits you.


Empowered Financial Management provides a Money Management System (MMS). We show our clients how to be defensive in bad times and opportunistic in good times.


Listen to recent radio episodes of “Ask the Experts” on News/Talk 1310 WIBA featuring Pete Cymbalak and Empowered Financial Management


As retirement and investment specialists, we focus on creating value, security, and peace of mind for our clients and their families.

Remember When
Life Was Simpler?

Empowered Financial Management is a locally owned and operated company founded by retirement and investment specialists. We engage high quality, independent wealth managers who specialize in significantly reducing risk during times of volatility, while capturing a large majority of the gains of the upside. This strategy allows our clients to secure a better, and worry-free, retirement.

At Empowered Financial Management

Helping you meet your financial needs is our FIRST priority. We’re happy to meet with you when it is most convenient for you.
Contact us at team@retiremadison.com or 608-212-7300 to schedule a time to discuss your financial situation and the potential role of insurance in your financial strategy.

Our Firm

Empowered Financial Management provides a Money Management System (MMS). We are not product driven. Through our MMS we show our clients how to be defensive in bad times and opportunistic in good times. We believe that you cannot have a safe and secure future without understanding and managing your risk. Most people misunderstand the amount of risk in their retirement portfolio. Our exclusive Three Bucket Approach assesses your overall risk tolerance and designs solutions to minimize risk and maximize portfolio gains. We never sacrifice our commitment to design low risk, low volatility portfolios that will give our clients peace of mind.

Empowered Financial Management specializes in protecting its clients’ life savings from market volatility. Our goal is to build family legacies, reduce income tax liabilities, and create a plan for each client that will ensure a fulfilling and worry-free retirement. Our strategies focus on low-risk and low-volatility investments, which have a proven record of success. Empowered Financial Management’s philosophy is to focus on the preservation of wealth during both the accumulation and distribution stages of retirement planning. We provide each client with a clear road map as to how to achieve his or her individual financial goals.

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Organizations we partner with:

Investment advice is offered by Horter Investment Management, LLC, a Registered Investment Adviser. Insurance and annuity products are sold separately through Empowered Wealth Management, Inc. and Empowered Financial Management, LLC. Securities transactions for Horter Investment Management clients are placed through Pershing Advisor Solutions, Trust Company of America, Jefferson National Monument Advisor, Fidelity, Security Benefit Life, FC Stone and Wells Fargo.

*Guarantees provided by insurance products are backed by the claims paying ability of the issuing carrier.

The Social Security Decisions report is provided for informational purposes only. It is not intended to provide tax or legal advice. By requesting this report you may be provided with information regarding the purchase of insurance and investment products in the future.

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