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Save enough today to enjoy a comfortable future

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.


An Experience Focused on You

An Experience Focused on You

Through every interaction we have with you, we personalize retirement planning to help you reach your goals through simple and actionable information and resources.

Customized Retirement Strategy

Customized Retirement Strategy

With My Total Retirement™ from Empower, your customized investment plan is professionally managed, undergoes ongoing reviews and adjusts with you as your situation changes.1


There is no guarantee provided by any party that participation in any of the advisory services will result in a profit.

Planning Help

Planning Help

We can help you remove the financial barriers preventing you from sufficiently replacing — for life — the income you made while working.

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.




Choose from more than 130 mutual funds across a variety of asset classes or consider Empower brokerage for more options (available in both traditional IRA and Roth IRA) to fit your investing strategy.

Roll in Services

Roll-in Services

Get the professional help you need when you’re considering consolidating your retirement assets into your Empower plan.


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Brokerage Account

An Empower Investment Account allows you to continue investing if you’ve reached the contribution limits in your retirement accounts or if you have other financial goals you’d like to work toward.

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Empower HSA

Health savings accounts (HSAs) provide an additional opportunity to save for healthcare in retirement — and can offer triple tax savings.2

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.

Carefully consider the investment option’s objectives, risks, fees and expenses. Contact Empower for a prospectus, summary prospectus for SEC-registered products or disclosure document for unregistered products, if available, containing this information. Read each carefully before investing.

Securities, when presented, are offered and/or distributed by Empower Financial Services, Inc., Member FINRA/SIPC. EFSI is an affiliate of Empower Retirement, LLC; Empower Funds, Inc.; and registered investment adviser, Empower Advisory Group, LLC. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice.  

IMPORTANT: The projections, or other information generated on the website by the investment analysis tool regarding the likelihood of various investment outcomes, are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. The results may vary with each use and over time.

Investing involves risk, including possible loss of principal.

Insurance products are issues by or offered through Empower Annuity Insurance Company of America, Corporate Headquarters: Greenwood Village, CO; or in New York, by Empower Life & Annuity Insurance Company of New York, Home Office: New York, NY. 

The managed account service is part of the Empower Advisory Services suite of services offered by Empower Advisory Group, LLC, a registered investment adviser.

The Empower Institute is a research group within Empower.

“EMPOWER” and all associated logos, and product names are trademarks of Empower Annuity Insurance Company of America.

All features may not currently be available and are subject to change without notice. ©2022 Empower Retirement, LLC. All rights reserved.

Unless otherwise noted: Not a Deposit | Not FDIC Insured | Not Bank Guaranteed | Funds May Lose Value | Not Insured by Any Federal Government Agency.