Based in Newport Beach, CA, The Financial Empowerment Institute (FEI) is on a bold mission to transform the financial landscape for medical professionals, small business owners, self-employed individuals, and professionals.
With an unwavering commitment to education, clarity, and real-world solutions, FEI is becoming a trusted resource for those ready to take control of their financial future and build lasting wealth with confidence.
With a mission to provide advanced financial strategies that foster long-term security, FEI specializes in pension plans, tax strategies, asset protection, privacy, wealth preservation, tax-free retirement solutions, and estate planning.
Clients gain clarity, confidence, and peace of mind in FEI’s supportive, confidential and welcoming environment. Through personalized financial education and implementation, clients are empowered to build lasting wealth and achieve their financial goals with ease, so they can live a life of fun, freedom and fulfillment.
5-Star Testimonials Include
“As a medical professional used to making informed medical decisions, I appreciated how Gloria treated me with the same level of care. She isn’t just another financial strategist - she’s an educator and a coach. She took the time to explain every option, showed me what truly fit my needs, made sure I understood why, and we had fun along the way. In addition to being efficient, the process was profound, and I felt confident and empowered with my choices.”
“As a seasoned CPA with 33 years of experience working with high-income professionals and collaborating with top-tier financial advisors over the years, none of us had heard of PenX - the tax and retirement strategy introduced to me by FEI. "It’s not something taught at Ivy League or elite schools, nor is it commonly found in mainstream financial circles. I wasn’t aware of it until Gloria brought it to my attention. That one strategy opened my eyes to a whole new level of planning, one that is benefiting my high-earning clients."
FEI’s Core Services Include
PenX: The #1 Overlooked Strategy to Slash Taxes & Supercharge Retirement
PenX is FEI’s exclusive brand of a fully insured defined benefit pension plan, structured under Section 412(e)(3) of the IRS Code. It’s a game-changing solution for medical professionals, small business owners, and self-employed individuals aged 40 and above.
Qualified clients can contribute significantly more to their retirement, well beyond the limits of SEP IRAs and 401(k)s, through tax-deductible contributions. This strategy allows high-income earners to reduce their tax burden, often saving substantially more than $40,000 annually, while building a secure retirement fund using insurance-backed pension contracts.
To determine a specific individual's potential tax savings, FEI creates a customized plan using client census data while working in coordination with the client’s CPA to assess their specific savings opportunity.
Elite Wealth Structuring: Frozen Cash Value Life Insurance Policy
Designed for ultra-high-net-worth individuals with assets of $10 million and beyond, this sophisticated wealth management and preservation strategy allows for the structured placement of diverse asset classes, including real estate, hedge funds, private equity, intellectual property, art, yachts, private jets, and even alternative currency denominations in certain cases
Tax-Free Retirement Plans for Business Owners, Employees, and Individuals
FEI offers customized tax-free retirement solutions, ensuring business owners and their employees secure financial prosperity while minimizing tax burdens. These plans offer living benefits for life’s unexpected events e.g. serious illness, injury, or disability, with no market risk, only growth potential and flexible access to cash. Some solutions offer index-based growth options, including gold interest, to help hedge against inflation and volatility.
Estate Planning: Securing Legacy
Estate planning is a critical process for organizing the management and distribution of assets during life and after death. FEI’s estate planning strategies help clients minimize legal uncertainties and taxes while ensuring their wealth is preserved for future generations.
FEI guides clients with wisdom, strength, and genuine care to make informed decisions, ensuring they fully understand and confidently benefit from every aspect of their financial plans.
About Gloria Charles, Founder & CEO of Financial Empowerment Institute (FEI)
Born in Saint Lucia and with decades of expertise gained in the financial industry, Gloria’s core value at FEI is to empower clients to build lasting wealth, achieve peace of mind, and live fulfilled lives full of fun and smiles.
Gloria is also the creator of “Money Mind Mastery”, a program designed to help professionals uncover and elevate their money mindset, paving the way for sustainable financial abundance and prosperity.
Additionally, Gloria built the "My Money and Me" program that consists of hands-on, practical lessons that show how to apply financial principles and concepts to an individual's current financial picture and everyday life. The program empowers participants to master their money with clarity and intention, making wise and confident financial decisions.
With a passion to serve others, Gloria also founded The Go Back, Give Back Foundation, supporting underserved communities in her home country.
According to Gloria, “At Financial Empowerment Institute, we offer more than just financial strategies. Our goal is to help medical professionals, small business owners, self-employed individuals and employees gain peace of mind and live fulfilling and fun lives. Through education, advanced financial strategies, and personalized solutions, we empower our clients to build lasting wealth and enjoy a life that’s fully self-expressed so they can do what matters most to them, and live powerfully with lots of smiles, enjoying peace of mind, both now and in the future.”
support@gloriacharles.com
Media Contact
Name
Financial Empowerment Institute
Contact name
Gloria Charles
Contact phone
(949) 490-4000
Country
USA
Url
https://gloriacharles.com/
