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Empower Investment Account

Continue investing even if you’ve reached the contribution limits in your retirement accounts or if you have other financial goals you’d like to work toward.

Invest for multiple financial goals without worry

An Empower Investment Account offers unlimited funding so you can invest for multiple financial goals without worrying about investment limits. Plus, you’ll enjoy commission-free online trading of stocks and ETFs.1 An added benefit is that you can take advantage of optional check-writing features that allow you to withdraw money from your account quickly and easily whenever you need it.2 For complete details of all benefits, fees and requirements related to the services and products of the check-writing privileges refer to the Corestone® Financial Portfolio guide.


So you might be asking yourself, “Why would I need an Empower Investment Account?” 

This type of account may be right for you if:

You’ve maxed out your annual retirement contribution limit with several months remaining in the calendar year, but you don’t want to lose your investing momentum.

You’re retired and would prefer to reinvest your required minimum distributions so you can continue investing for your financial goals.

You’ve inherited an IRA from a family member and need an investment vehicle that allows you to invest the distributions for your future.

You’ve opened several taxable accounts at other financial institutions and want to consolidate them into a single account so you can see your combined investments in one place.

Consider all your options and their features and fees before moving money between accounts.

To learn more, call us at 877-788-6261

An Empower Investment Account offers another way to invest for your future without having to worry about the limits or restrictions found in retirement investment vehicles. You can rest easy knowing you have a single place to contribute additional investment income.

The Empower Investment Account (EIA) is intended for knowledgeable investors who acknowledge and understand the risks associated with the investments available through a brokerage account.

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1 The first one thousand trades (1,000) placed online each calendar year are $0; thereafter, each online trade will be charged $6.95. Orders executed over multiple days may result in separate transaction fees for each trading day. Regulatory and American depositary receipt (ADR) fees as well as financial transaction taxes are separate and in addition to the posted commission.

2 Any uninvested cash in your account may be withdrawn up to your account balance.

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.

Empower Financial Services, Inc. reserves the right to change and/or modify pricing.

Be aware that certain mutual funds may be subject to separate and additional redemption fees imposed by the particular fund. Refer to that fund’s current prospectus for details.

Transaction fees may apply to certain mutual funds. Transaction fees, where applicable, will be noted during online order entry or via your registered representative during broker-assisted trades.

Securities available through Empower Brokerage are offered by Empower Financial Services, Inc., Member FINRA/SIPC and a subsidiary of Empower Annuity Insurance Company of America.

Clearing, settlement, custody and other brokerage services 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 and unaffiliated brokerage firms. Accounts are subject to review and approval of EFSI.

Certain ETFs are available commission-free. Please contact your service representative or visit the brokerage website for more details.

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.