Investment accounts

Start investing with confidence.

Choose your investing style. Stay on track. Get guidance when you need it.

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Big goals for your future? Open an investment account.

Invest for what’s next

Choose from four options to support your goals — whether you're saving for a home, education, or the unexpected.

Invest your way

Manage your account yourself — or get professional guidance when you need it.

Full-service money management

Personal Strategy®  

Comprehensive financial planning and portfolio management¹   

• Flexible portfolio investing choices

• Daily monitoring by financial professionals plus advanced technology

• Tax optimization, financial coaching, and private equity access²

• Fees starting at 0.89% of assets under management, $100K minimum¹

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Managed portfolio

Empower Premier Managed Account

Personalized portfolio management and goal-based investment planning³

• Portfolio of mutual funds selected and invested for you

• Monitored monthly with automated rebalancing as needed

• Fees starting at 0.5% of assets under management, no minimum

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Guided investing

Empower Premier Investment Account

Invest on your own, with professional guidance available when you need it.  

• Your choice of a curated list of mutual funds from top fund managers

• Powerful tools available to help you manage and monitor your own investments 

• No advisory fee, no minimum

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DIY investing

Empower Brokerage

Trade and manage your own investments from a wide range of choices.⁴

• Mutual funds, stocks, ETFs, and options available 

• 1,000 free online trades every calendar year, no minimum investment 

• Designed for experienced investors

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Investing $100K or more?

Get personalized portfolio management, dedicated guidance from professionals, and tools to help you invest well and live a little.¹

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Couple sitting with financial advisor. Set, manage and track your financial goals.

Compare your options

Find the account that fits your investing style. Brokerage and investment accounts are intended for knowledgeable investors who acknowledge and understand the risks associated with the investments available through these accounts.

Full-service money management Managed portfolio Guided investing DIY investing

	Full-service money management Personal Strategy Schedule a call	Managed portfolio Empower Premier Managed Account Open an account	Guided investing Empower Premier Investment Account Open an account	DIY investing Empower Brokerage Open an account
Minimum investment	Minimum investment $100,000	Minimum investment No minimum	Minimum investment No minimum	Minimum investment No minimum
Management fees	Management fees Starting at 0.89%¹	Management fees Starting at 0.50%⁵	Management fees Not applicable⁵	Management fees Not applicable⁶
Financial planning	Financial planning Included	Financial planning Included⁷	Financial planning Included⁷	Financial planning
Commission-free trading	Commission-free trading	Commission-free trading	Commission-free trading	Commission-free trading First 1,000 online trades per year: free. Then $6.95 per online trade.⁸
Access to advisor	Access to advisor	Access to advisor	Access to advisor	Access to advisor
Retirement planning and spend-down advice	Retirement planning and spend-down advice	Retirement planning and spend-down advice	Retirement planning and spend-down advice	Retirement planning and spend-down advice
Professional portfolio management	Professional portfolio management	Professional portfolio management	Professional portfolio management	Professional portfolio management
Diversified portfolio	Diversified portfolio	Diversified portfolio	Diversified portfolio	Diversified portfolio
Daily portfolio monitoring	Daily portfolio monitoring	Daily portfolio monitoring	Daily portfolio monitoring	Daily portfolio monitoring
Tax optimization	Tax optimization	Tax optimization	Tax optimization	Tax optimization

Plan for a child’s future

The Empower Custodial Account offers a great way to invest money on behalf of a child. Gift up to $19,000 per year ($38,000 for couples filing jointly) per child without incurring the gift tax. To open an account, call us at 877-788-6261.

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More investing options

Broaden your financial strategy with powerful tools and specialized account options.

Investment monitoring

Track your investment portfolio and other financial accounts with Empower's powerful financial tools.

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Personal Strategy

Get portfolio management and financial planning for life. Qualify with investments of $100,000 or more.¹

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Private Client

Work with a team that specializes in high net worth individuals. Qualify with investments of $1 million or more.¹

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1 Personal Strategy advisory services are available when you invest $100,000 or more with us. Personal Strategy Wealth Management advisory services are available when you invest $250,000 or more with us. Empower Private Client advisory services are available when you invest $1,000,000 or more with us. Advisory fees do not include underlying fund expenses, brokerage fees, or other costs that may apply. Please review our full fee schedule for details.
2 Private equity investments are available to clients with $1 million or more invested with us. Private equity investments are not appropriate for all investors and come with higher risks and fees. Empower assesses an individual’s financial situation, investment objectives, risk tolerance, time horizon, liquidity needs, and investment knowledge to determine if such investments are appropriate and require the investor to be an accredited investor.
3 Online advice and the managed account service are part of the Empower Advisory Services suite of services offered by Empower Advisory Group, LLC, a registered investment adviser. Past performance is not indicative of future returns. You may lose money.
4 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. Brokerage services such as clearing, settlement, custody and other similar functions are provided by Pershing LLC, Member FINRA/NYSE/SIPC and a wholly owned subsidiary of The Bank of New York Mellon Corporation. Additional information may be obtained by calling 877-788-6261. EFSI and Pershing are separate, unaffiliated brokerage firms. Brokerage accounts are subject to EFSI review and approval. This material is for informational purposes only and is not intended to provide advice, investment, legal, or tax recommendations.
5 Other fees may apply. Refer to the complete fee schedule for details.  
6 Other fees may apply. Refer to the complete fee schedule for details.
7 Financial planning is included for Empower Premier account clients with a balance of $100,000 or more. Empower Advisory Group, LLC, a registered investment adviser, provides financial planning services using the MoneyGuidePro tool. MoneyGuidePro is not affiliated with Empower Retirement, LLC and its affiliates. Empower Retirement, LLC and its affiliates are not responsible for the third-party content provided.
8 Empower Financial Services, Inc. reserves the right to change and/or modify pricing.

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 an indirect 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. Advisory fees are calculated based upon the amount of assets being managed (as detailed further in the Empower Advisory Group, LLC Form ADV). Investing involves risk, including possible loss of principal. EAG Form CRS

Rebalancing does not ensure a profit or protect against loss.  IMPORTANT: The projections or other information generated by MoneyGuidePro regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. MoneyGuidePro results may vary with each use and over time. Empower Retirement, LLC and its affiliates are not responsible for the third-party content provided.  ETFs are a type of exchange-traded investment product that must register as either an open-end investment company (generally known as “funds”) or a unit investment trust. ETFs are not mutual funds.  Unlike mutual funds, individual shares of ETFs are not redeemable directly with the Issuer. ETF shares are a collection of securities bought and sold at market price, which may be higher or lower than the net asset value (NAV). Investment returns will vary based on market conditions and volatility, so that an investor's shares, when redeemed or sold, may be worth more or less than their original cost. ETFs are subject to risks similar to those of their underlying securities.  Certain ETFs are available commission-free. Please contact your service representative or visit the brokerage website for more details.  Empower Financial Services, Inc. reserves the right to change and/or modify pricing.  Options trading may increase the risk of principal loss and is not suitable for all investors. Prior to buying or selling an option, investors should read a copy of the Characteristics & Risks of Standardized Options, also known as the options disclosure document (ODD).

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

Securities, when presented, are offered and/or distributed by Empower Financial Services, Inc., Member FINRA/SIPC. EFSI is an affiliate of Empower Retirement, LLC.

Start investing with confidence.

Invest for what’s next

Invest your way

Full-service money management

Managed portfolio

Guided investing

DIY investing

Investing $100K or more?

Compare your options

Plan for a child’s future

More investing options

Investment monitoring

Personal Strategy

Private Client

FAQ

What’s the difference between an investment account and a retirement account (like a 401(k) or an IRA)?

What is a brokerage account?

What are mutual funds?

What is an exchange-traded fund (ETF)?

Is my money protected or insured in an investment account?

Are there tax implications I should be aware of?

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