We’ve created an easier, more intuitive retirement planning experience to help you prepare for tomorrow—while still enjoying today.
The goal is to help people just like you make better decisions – and achieve better outcomes.
An experience centered around your own personalized projection of retirement income
The ability to see the impact any changes you may make would have on your retirement income
The ability to see communications and education when you want — where you want
Your Retirement Plan
Use our innovative tools and services to find the best options and strategies to help keep the money you’ve saved working for you.
Enrolling in your plan is an important part of having the future you want
More ways to save
Explore a more holistic approach that helps you to and through retirement and includes rollover and roll-in services, annuities, and IRA options.
1 My Total Retirement refers to the managed account services available in the Empower Retirement Advisory Services suite of services offered by Empower Financial Services, Inc., a registered investment adviser.
2 Contributions, any earnings and withdrawals are federal income tax-free if used to pay for qualified medical expenses. State income taxes may still apply. HSA funds used for nonqualified medical expenses may be subject to applicable federal and state income taxes and/or penalties.
Educational, communication and operational services regarding Empower HSA may be provided by registered representatives of EFSI. By electing Empower HSA, plan participants are contracting directly with Optum and its affiliates for this service. EAIC, or its affiliates, is not affiliated with Optum and is not responsible for their services.
Health savings accounts (HSAs) are individual accounts offered or administered by Optum Bank®, Member FDIC, a subsidiary of Optum Financial, Inc. Optum Financial, Inc. is not a bank or an FDIC insured institution. HSAs are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State taxes may apply. Fees may reduce earnings on account. This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment and restrictions. Federal and state laws and regulations are subject to change.
All Optum trademarks and logos are owned by Optum®. All other brand or product names are trademarks or registered marks of their respective owners. Because we are continually improving our products and services, Optum reserves the right to change specifications without prior notice. Optum is an equal opportunity employer.
Investments are not FDIC insured, are not guaranteed by Optum Bank® and may lose value.