Carolyn A Humphrey

10/19/2026

It’s National Estate Planning Week—a great time to think about your legacy and ensure your loved ones are protected. Estate planning isn’t just for the wealthy; it’s for everyone. Reach out for guidance on how to secure your assets and plan for the unexpected.

Contact us at [email protected].

10/01/2026

I have just earned the RSSA Designation - Registered Social Security Analyst. This education earns the ability to utilize a calculator that can help us guide clients to learning how they may maximize Social Security benefits. Many of our clients have adult children with severe disabilities. The tool can help us look at the options to potentially max benefits and then we can look at their individual financial picture, goals, tax situation and help by offering our recommendations. One more piece of the puzzle.

Retirement Planning, Wealth Management, Tax Planning, Social Security Claiming Strategies, Special Needs Planning, Legacy Planning & Estate Planning - All the pieces should fit together!

Want more information? Reach out to [email protected]
Or click here - https://rssa.com/analyst/carolyn-humphrey/

Join us in congratulating Carolyn Humphrey on earning her RSSA® Designation, a Registered Social Security Analyst.

As an RSSA®, Carolyn helps to guide clients through the complex considerations in their claiming strategies, with the goal to help them understand how to make decisions about when to claim benefits, how to claim spousal benefits, and how to navigate Social Security regulations to maximize their benefits.

The calculator available to an RSSA® offers a full report on different claiming strategies for you and your family, proving one more tool, that we at EFS have.

10/01/2026

Disability advocates are calling for the elimination of the Supplemental Security Income (SSI) asset limit, arguing that the current rules punish people for trying to achieve even a basic level of financial stability.

10/01/2026

Not sure how much life insurance is needed or what type of coverage makes sense? You are not alone.

One in four Americans says uncertainty around coverage needs has kept them from purchasing life insurance.

September is Life Insurance Awareness Month. Take some time this month to learn more about your options and review whether your current coverage aligns with your needs.

Reach out; we are here to help.
We help to educate you on types of life insurance. Help you understand options for what kind, how much and how to structure a policy.

08/10/2026

06/26/2026

I'm honored to be featured in this alumni spotlight by The American College of Financial Services. The knowledge and perspective I gained through my classes, continue to influence the way I serve my clients every day. Thank you to the faculty, staff, and alumni community for this recognition. I'm proud to be part of an organization dedicated to advancing excellence in the financial services profession.
It has also been incredibly rewarding to serve on The American College's Alumni Council, especially as Co-Chair of the Student Experience Committee alongside Julie Pinkerton, CLU®, ChFC®, LUTCF®. Working with fellow alumni to help strengthen the student experience and support the next generation of financial professionals has been a meaningful part of my journey.
I was also honored to participate in the Retirement Roundtable: Parley with Planners podcast, recorded during the Horizons Retirement Income Conference earlier this year. If you'd like to listen, you can find it here: https://youtu.be/x8-pcUDXyhQ?is=kRw0m4UW8XszkUPj All of the speakers are great, I come in around the 7 minute mark.
Thank you again for this recognition. I'm grateful to be part of such an outstanding community and look forward to continuing to support the profession and the clients we serve.

Carolyn A Humphrey RICP®, TPCP®, WMCP®, CLF®, is co-founder of Empowered Financial Strategies and a financial advisor specializing in retirement income and tax planning strategies. She has earned multiple designations through The American College of Financial Services, including Retirement Incom...

06/26/2026

Happy Take Your Dog to Work Day!
Hayden started the in the office, but after just an hour she has found more exciting things to do. I think I need to start keeping a treat jar on my desk!

05/18/2026

Congratulations to all Graduates!

Graduation represents both an ending and a beginning. As you reach out and grab your diploma, you are stepping into a new world. Whatever opportunities you pursue or paths you travel, you will take what you’ve learned with you. The achievements you are celebrating now will inform the achievements of your future.

As you start your new life, be sure to get started by building a good emergency fund, pay down debt as you start to save for the future. Understand your spending and your income so you can be intentional with your cash flow.

04/24/2026

For high-net-worth families, the intersection of retirement security and lifelong care planning demands a precise, layered tax strategy — one that protects your wealth, honors your intentions, and preserves your child's eligibility for...

04/14/2026

I am thrilled to say that I just past the final exam for the last class needed for the ChSNC® designation and specialty in financial planning. This designation is offered by The American College. The Chartered Special Needs Consultant gives detailed education on tax planning, government benefits, special needs trusts, disabilities in detail and all things needed as we work clients who have loved ones with a disability or special needs.

While Joanna Craney, ChFC®, ChSNC®, WMCP®will still be our go to on Special Needs planning, and I have learned much from her as we have worked together; I felt it was important to level up my knowledge here as well.

In our practice, Joanna focuses on the Special Needs for the child and I focus to Retirement Income and Tax Planning for the parents. Our clients get two advisors who partner for their benefit. Stay tuned for the designation coming next month!