Financial Empowerment LLC

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Janet Stanzak, CFP®
Principal, Advisor 

Janet Stanzak has been a Certified Financial Planner™ Practitioner since 1986.  She obtained her Masters of Science in Financial Planning in 1998, specializing in investment management.  She loves rich conversations helping marry life and money, to assure money decisions are congruent with what really matters in your life.  She's a lifelong learner and continues to participate in a number of conferences and study groups to maintain leading edge thinking and a competitive advantage

During the past 20 years, she has started and developed three successful financial planning firms.  She served the roles of founder, president and governor of two registered investment advisory and financial planning firms affiliated with regional mid-size accounting firms during which time she managed portfolios with over $300 million in assets.  

Janet started Financial Empowerment in 2004 and currently practices in Bloomington, MN.  Individuals often seek her out when facing some kind of life transition like retirement, divorce, or a job change, times when life-transitions pose many questions and planning opportunities.  Her clients value long-term relationships, are delegators, typically live within their means, and include entrepreneurs, professionals, and high net worth individuals and families.   

She served six years on the National Board of Directors for the Financial Planning Association, the 2015 Chair of the community that fosters the value of financial planning and advances the financial planning profession.  The FPA has about 25,000 members around the world supporting the values of integrity, competence, relationships, and stewardship.  She is a member of NAPFA, the National Association of Professional Financial Advisors, an association of fee-only financial planners who meet the highest standards for professional competency, comprehensive financial planning, and Fee-Only compensation. 

  • Masters of Science in Financial Planning -1998 
  • BBA Honors Graduate, University of Wisconsin-Eau Claire - 1981 
  • Certified Financial Planner  - 1986
  • Financial Planning Association National Board - Six years, 2015 Chair
  • Financial Planning Association serving 25,000 members; Chair-Strategic Planning Committee 2011-12; Leadership Advisory Group 2009; Chapter Leadership Resource Council 2007; Chapter Leaders Conference 2008; Communities of Interest Advisory Group 2008; FPA of Minnesota Chapter President 2005
  • Five Star Wealth Manager 2010, 2012, 2013, 2014, 2015, 2016, 2017 - Twin Cities Business/Mpls. St. Paul Magazine
  • Bloomberg’s Top Wealth Manager 2001 and 2002
  • Featured contributor: Wall Street Journal, AARP The Magazine, USA Today, Reuters,, Minnesota Business Magazine, Star Tribune,  Financial Planning , ThinkAdvisor,, RIA Biz, Investment News
  • Various radio and TV appearances, including a featured guest, Jill on Money and WCCO-TV

Janet volunteers teaching financial literacy in the high schools, and works with Best Prep to equip other financial planners to work with students.  She also has taught a financial management course through Love INC, for at risk adults.  She's an active member of the Chanhassen Rotary.  For fun, she loves cooking, golf, music, and beaches.  


Kristin Garrett, CFP®

Kristin started her career in the wealth management industry based on the technical aspects of planning, but stayed because of her passion for cultivating long-term and meaningful client relationships.  She enjoys making a difference in her clients’ lives.  Kristin's ultimate goal is to provide high quality service and advice so clients have the ability to pursue their purpose in life.

Kristin is a CERTIFIED FINANCIAL PLANNER™ practitioner and an active member of the Minnesota chapter of the Financial Planning Association.

  • Bachelor of Arts, Accounting, Cum Laude - Gustavus Adolphus College 1996
  • Certified Financial Planner  - 2000
  • Minnesota Financial Planning Association, Symposium Committee - 2005-2007

Kristin lives in Minneapolis with her husband and two children.  She loves traveling, running and anything that allows her to be outside.