When you leave a job or retire, you’ll need to figure out what to do with the money you've saved in your prior employer’s retirement plan. And while some other things about leaving a job or retiring may seem complicated, Empower makes this part easy.
As with any financial decision, you are encouraged to discuss moving money between accounts, including rollovers, with a financial advisor and to consider costs, risks, investment options and limitations prior to investing.
Investment options and services
When you enroll in an Empower Premier IRA, you have access to a variety of investment options as well as Empower Advisory Services, which can help you build a savings and investing strategy. Empower Advisory Services is provided by Empower Advisory Group, LLC (EAG), a registered investment adviser.
There is no guarantee provided by any party that participation in any of the advisory services will result in a profit.

Our loyalty program
At Empower, you have the opportunity to access a variety of features and benefits depending on your account balance. These include a dedicated retirement advisor, industry webinars and much more. You could also think about using your IRA to consolidate additional retirement assets that might help you get more out of your IRA.
Your options
You can choose from more than 140 investment options with a wide range of styles and objectives from a variety of leading investment management companies. When you are ready to take a distribution from your account, you can choose to receive a full withdrawal or partial withdrawals through available periodic payment options.
Investing involves risk, including possible loss of principal.
Questions? To learn more or to open an Empower Premier IRA, call 877-534-4569.
Empower Brokerage IRA
Choose from an expanded selection of mutual funds and stocks that match your personal objectives and investment style.
The Empower Brokerage IRA is intended for knowledgeable investors who acknowledge and understand the risks associated with the investments available through an Empower Brokerage account.
The Empower Brokerage IRA option includes:
On-demand access to accounts, positions and balances.
No annual account maintenance fee for accounts over $100,000.1
Commission-free online trading of stocks and ETFs.2
More than 300 mutual fund families, thousands of individual mutual funds and stocks as well as more than 1,400 ETFs to choose from.
1 Other account fees. fund expenses. brokerage or service fees may apply.
2 The first one thousand trades (1,000) placed online each calendar year are $0; thereafter, each online trade will be charged $6.95. Empower Financial Services, Inc. reserves the right to change and/or modify pricing.
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.
Empower Financial Services, Inc. may receive a fee from mutual fund companies participating in the Empower Brokerage service for providing certain distribution, administrative and shareholder services.
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.
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.
This site is designed for U.S. residents. Non-U.S. residents are subject to country-specific restrictions.
Brokerage Products: Unless otherwise noted: NOT FDIC INSURED | NO BANK GUARANTEE | MAY LOSE VALUE
The Investment Service Fee does not include the cost of the Exchange Traded Funds. For more information about the fees assessed by the ETFs, please review the ETF disclosure documents. You may contact 888-978-4979 for copies of the ETF disclosure documents.