About Us
Welcome to Empowered Path Wealth Planning, where compassion guides every financial decision. In the wake of life’s most challenging transitions – especially the loss of a partner – we believe your path forward should be rooted in clarity, confidence, and care. We’re not just about managing money; we’re about helping you rediscover your footing, feel empowered, and move forward with peace of mind – every step of the way.
We’re here to help you move forward – one step at a time.
JoAnne Martin, CFP
Partner
For JoAnne, financial planning is personal. As a CERTIFIED FINANCIAL PLANNER® professional and co-founder of Empowered Path Wealth Planning, she brings both expertise and lived experience to her work with individuals navigating life after loss.
JoAnne has been in the financial services industry since 2016 and is known for turning complex topics – like estate planning, corporate finances, and tax strategies – into clear, simple conversations. She also leads a successful planning firm focused on real estate professionals, where she’s helped hundreds of entrepreneurs gain clarity and control over their finances. This deep background equips her to guide clients through all kinds of transitions – especially the ones no one prepares for.
Outside of her advisory role, JoAnne and her husband run a busy household with their five children on a hobby farm in rural Ottawa. Whether she’s teaching a workshop or chasing chickens with her kids, she brings energy, warmth, and a deep sense of purpose to everything she does.
At Empowered Path, JoAnne is dedicated to helping clients feel seen, supported, and financially secure – no matter what chapter they’re facing.
Why I Do This Work
JoAnne’s Story
A few years ago, someone close to me experienced a devastating loss. Her husband passed away suddenly in a car accident, and she was left to manage everything – from estate matters to household finances – while still in the thick of grief. I did everything I could to help, even as a CFP, but I quickly realized just how many gaps exist in the support available to people after a loss. There were so many questions, and not enough guidance.
That experience stayed with me. And as time went on, I noticed a pattern: more and more families in my life – my own included – were navigating loss without a clear plan or a trusted advisor to turn to. When my father-in-law and my own father both passed away unexpectedly in their 60s, I saw firsthand how hard it is to know when and how to step in to support the surviving spouse. These weren’t just financial moments – they were deeply emotional ones.
That’s why we created Empowered Path. It’s our way of offering clarity and calm in the middle of the chaos. I believe that with the right planning and support, families can avoid much of the frustration and confusion that often follows a loss. This isn’t just about financial literacy – it’s about giving people the space, support, and tools to move forward with confidence.
Judy Ruttle, CFP, CLU
Partner
For Judy, financial planning is about more than numbers – it’s about people. She understands that when someone is grieving the loss of a spouse or loved one, the financial decisions that follow can feel overwhelming and deeply emotional. That’s why she’s made it her mission to walk alongside clients during these tender times, offering both expert guidance and genuine care.
With a calm, steady presence and years of experience, Judy helps individuals and families sort through the financial pieces after a loss – whether it’s navigating estate matters, updating plans, or simply figuring out the next step. She takes the time to listen, to understand, and to ensure her clients feel supported, not rushed.
Judy believes that everyone deserves to feel secure and cared for, especially when life takes an unexpected turn. Her goal is to ease the burden, restore confidence, and help people rebuild – financially and emotionally – at a pace that feels right for them.
Why I Do This Work
Judy’s Story
I didn’t become a financial planner because I loved charts and spreadsheets – though I do enjoy a good plan. I chose this path because I saw firsthand how overwhelming life becomes after losing a spouse.
When my mom was widowed at 47, and my mother-in-law at 48, I watched two strong, capable women suddenly faced with a flood of financial decisions during the most emotionally vulnerable time of their lives. It wasn’t just about money – it was about fear, uncertainty, and figuring out how to start over. I stood beside them as they navigated everything from insurance paperwork and pensions to managing a home on their own. I saw how much comfort came from simply having someone they could trust – someone who would listen, explain without judgment, and help them take things one step at a time.
That experience changed me. It shaped not only how I approach my work, but why I do it. Today, I specialize in helping individuals who are grieving the loss of a loved one. Whether you’re recently widowed or adjusting to life after a major loss, I’m here to help you make sense of the financial pieces – at your own pace, with compassion and clarity.
No one should have to face this journey alone. I’m here to walk it with you.
Let’s Connect
If you’re ready to take the next step, or even if you’re just gathering information, we invite you to reach out.