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We believe everyone deserves access to fiduciary advice

We offer participants a variety of ways to access the fiduciary advice they want and need.

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Best interest point-in-time advice
Empower advisory services
Advisor managed accounts
Dynamic Retirement Manager
Comprehensive financial planning

Empower Advisory Services

Empower Advisory Services (Advisory Services) not only helps employees stay educated related to their finances and reach their long-term goals; it also provides plan sponsors with a fiduciary solution to helping their employees meet their retirement goals. We provide a comprehensive solution built around plans and employees, their life changes, and their unique goals for the future. Advisory Services is composed of two fiduciary advice solutions1

1.

My Total Retirement™

My Total Retirement™ and Online Advice powered by Morningstar Investment Management, LLC

2.

The Professional Management Program

The Professional Management Program and Online Advice powered by Edelman Financial Engines LLC

Combined, these two independent investment advisers have been helping employees meet their retirement goals for 70 years. There is no guarantee provided by any party that participation in any of the advisory services will result in a profit.

Both solutions provide each employee with these perks:

Event-driven communication experiences designed to motivate positive action.

Support from investment adviser representatives.

A strategy that evolves as their needs and goals change.

A personalized saving and investment strategy.

Personalized saving and investment strategy

Give your employees the help they need throughout the retirement journey. Beginning with only the information required to open an account, Advisory Services creates, implements and monitors a personalized strategy for each employee — and provides them with one-on-one access to investment adviser representatives who can advise them about their strategies and goals. As each employee provides additional information about themselves and approaches retirement, their strategy evolves and shifts from saving to spending in retirement.

Account review

Analysis of each employee's demographic information

Formulation of a strategy

Alignment with each employee’s situation and goals

Ongoing management

Regular reviews and access to one-on-one support

Transition with retirement in mind

A focus on capital preservation with steady retirement income

Withdrawal management

A custom spending strategy to help maximize income in retirement

Online Advice

Online Advice provides employees with:

Online Advice provides employees with self-service access powered by the same methodology as My Total Retirement or the Professional Management Program. This service, available at no additional cost to employees, can provide point-in-time recommendations for them to implement on their own.1

  • Investment and savings-rate recommendations.
  • Actionable steps so they can confidently implement their strategies.
  • Access to the same methodology that powers My Total Retirement or the Professional Management Program.
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Headshot image of Kenneth Verzella

“Through our comprehensive advisory services, we make retirement planning for individuals more personalized, more accessible and easier to understand. Participants can be better prepared for their financial futures when provided digital and human support throughout their life.”

Ken Verzella
Vice President, Participant Advisory Services, Empower

Complements, not substitutes

Based on this analysis, participants do not consider managed accounts to be substitutes for target date funds.

Cover image of Complements not Substitutes paper

My Total Retirement

My Total Retirement offers a fully integrated advice solution that includes an industry-leading online and communication experience supported by one-on-one help from investment professionals.

My Total Retirement brochure

Help give your employees the help they need for a brighter financial future. Please contact your sales representative at 877-630-4015

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FOR FINANCIAL PROFESSIONAL USE ONLY.

1 Online Advice and My Total Retirement are part of the Empower Advisory Services suite of services offered by Empower Advisory Group, LLC, a registered investment adviser. Online Advice and the Professional Management Program are part of the Empower Advisory Services suite of services offered by Empower Advisory Group, LLC, a registered investment adviser.

Empower Advisory Services refers to the advisory services offered by Empower Advisory Group, LLC, such as My Total Retirement and Online Advice. EAG uses Morningstar Investment Management LLC to provide subadvisory services. EAG and Morningstar Investment Management are unaffiliated registered investment advisers. Morningstar Investment Management is a subsidiary of Morningstar, Inc. EAG is a subsidiary of Empower Annuity Insurance Company of America. Morningstar is a registered trademark of Morningstar, Inc. ©2022 Morningstar, Inc. Future results are not guaranteed by EAG, Morningstar Investment Management or any other party.

Empower Advisory Services refers to the advisory services offered by Empower Advisory Group, LLC, such as the Professional Management Program and Online Advice. EAG uses Financial Engines Advisors L.L.C. to provide subadvisory services. EAG and FEA are unaffiliated registered investment advisers. EAG is a subsidiary of Empower Annuity Insurance Company of America. Edelman Financial Engines® is a registered trademark of Edelman Financial Engines, LLC. ©2022 Edelman Financial Engines, LLC. Future results are not guaranteed by EAG, FEA or any other party.

EFSI is an affiliate of Empower Retirement, LLC; Empower Funds, Inc.; and registered investment adviser Empower Advisory Group, LLC.

  ("Site") has entered into an advertising campaign with Empower Personal Wealth, LLC ('EPW"), through which Site is paid up to $250 for each individual lead. The Site, due to such compensation, has an incentive to recommend EPW, resulting in a material conflict of interest. Individuals who are referred to EPW are not obligated to subscribe for investment advisory services provided by Empower Advisory Group, LLC ("EAG"). Those individuals who do subscribe for EAG's investment advisory services will not pay increased management fees or any other fees to Site, EPW, or EAG as a result of this campaign. Site financially benefits from referring individuals to EPW. Site is not affiliated with EPW or EAG.

Advisory services are provided for a fee by Empower Advisory Group, LLC (“EAG”). EAG is a registered investment adviser with the Securities and Exchange Commission (“SEC”) and subsidiary of Empower Annuity Insurance Company of America. Registration does not imply a certain level of skill or training. Investing involves risk. Past performance is not indicative of future returns. You may lose money. All visuals are illustrative only. Actors are not EAG clients.

“EMPOWER” and all associated logos, and product names are trademarks of Empower Annuity Insurance Company of America. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice. ©  Empower Annuity Insurance Company of America. All rights reserved.