Madison's Experts In Holistic 

Retirement Planning

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We utilize the Empowered Solution, a proprietary process designed for pre-retirees and their families – 

primarily a group of successful business owners, professionals, and the “millionaire next door” – that focuses on the entire retirement plan versus only investments and income planning.

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


Listen Here


Our events focus on common financial concerns that individuals and families face in retirement, things like how to prepare for unexpected medical expenses and ways to create income to help support your desired lifestyle. Attend one of our events to learn how addressing these concerns can help you feel more confident about the days ahead.

See Upcoming Webinars

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Empowered Financial Management


When meeting with pre-retirees and retirees, we often find that they did not have a complete plan that includes all six pillars of retirement: income plan, investment plan, tax plan, health & long-term care plan, legacy plan, and a fiduciary advisor. They often had an investment plan, but did not have a written income plan, did not have a clear picture of their tax situation before, during, or even after retirement, could not list 2-3 hedges they were utilizing to hedge healthcare costs, and more. This was a serious problem – but what was even more serious is that these pre-retirees and retirees were not aware that they even had a problem!

This is why we created the Empowered Solution, a proprietary process that covers every piece of the retirement puzzle. Planning in retirement should be proactive, not reactive. Unknowing mistakes may cause you to run out of money, have the legacy you leave for your beneficiaries spent within two years, leave your spouse in higher income bracket with less net income, pay higher medical bills than expected, or many other critical issues.

Our strategies focus on low-risk and low-volatility investments. Empowered Financial Management’s philosophy is to focus on the preservation of wealth during both the accumulation and distribution stages of retirement planning. We are not product-driven, but rather show our clients how to be defensive in bad times and opportunistic in good times.

We understand that the Empowered Solution is not for everyone. In fact, we get to know you and allow you to get to know us before any decisions are made; we take the time necessary so we both evaluate if the Empowered Solution is the right fit for your situation. This is a lifelong relationship, so this is important to us, just as we know it is important to you.

Capture your risk tolerance and see if your portfolio fits you. 
Schedule an Introductory Visit  


In this season of uncertainty, we're here for you, ready to answer your questions, offer a second opinion on your retirement income strategy or just listen to what's on your mind.  As financial professionals and neighbors living through the uncertainty with you, we're uniquely positioned to help you navigate your retirement future. We can look at your income strategy to see if you're on track to meet your goals or need to make some adjustments. Or, we can simply listen to what's most important to you and help you make decisions about next steps.

Please fill out the form below to sign up for a phone meeting. Our Team will get right back with you to set a time that works in your schedule.
Contact US
Connect with us

​Tel: 608-212-7300

Fax: 608-212-7300​


8383 Greenway Blvd.

Suite 210

Middleton, WI 53562


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Empowered Financial Management is a local company in the Madison, Wisconsin community that has a focused mission seeking to make a large impact. Through the Empowered Solution, our experts design retirement plans for pre-retirees that, who among other things, aspire to achieve financial independence and a work-optional lifestyle.

Investment Advisory Services offered through BCJ Capital Management LLC., an (SEC) Registered Investment Adviser.  Information presented is for educational purposes only. It should not be considered specific investment advice, does not take into consideration your specific situation, and does not intend to make an offer or solicitation for the sale or purchase of any securities or investment strategies. Investments involve risk and are not guaranteed, and past performance is no guarantee of future results. For specific tax advice on any strategy, consult with a qualified tax professional before implementing any strategy discussed herein.