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Personal Strategy®

Dedicated advisor

A successful strategy requires the support of a trusted advisor who not only listens, but truly understands you. We aim to build lasting client relationships that start with strong communication.

We know money can be emotional, and emotional decisions usually lead to bad outcomes. Our advisors are trained in behavioral coaching that is designed to help you make the most informed decisions possible. Most individual investors lag the market, primarily due to poor decision-making with their investments. A Vanguard study estimates advisors can add 1.50%*, if not more, over time by helping clients stick with their appropriate allocations.

*Vanguard Advisor’s Alpha: “Quantifying Your Value to Your Clients” (September 2019).

Man at computer with houseplants beside him.

The best of tech + human insight

  • Work with your advisor to build a personalized plan.
  • Get answers to your questions, and discuss changes in your situation.
  • Your advisor can help you take the emotion out of your decisions.

Our advisors work closely with our team of specialists and are there to assist you with any planning-related needs. If you were to purchase these services a la carte from another provider, it would not be unusual to pay several thousand dollars1 — or more. Even then, we don’t think it’s a true comparison with what we offer. Why? Because of our unique approach, which integrates our technology within the advisory relationship. Our client-only financial planning tools are just one example of how we enhance the financial-planning experience.

Your advisor will also review your Personal Strategy with you and is always available to answer any questions that arise. We believe it is important to give you a transparent, real-time view into how we’re managing your money, which is why we have created the Personal Strategy Dashboard view for our clients. Here you can see all activity specific to your Empower non-plan managed accounts: trades, trade reasons, performance, portfolio income and balance, projections, monthly statements, and more.

Personal Strategy Dashboard

Advantages of your Personal Strategy

Tax optimization

Our sophisticated tax-optimization process focuses on three key areas: asset location, tax-loss harvesting and tax efficiency.

Disciplined rebalancing

We review portfolios daily for rebalancing opportunities. This provides the potential for enhanced returns by creating a systematic way of buying low and selling high.

Smart Weighting™

Smart Weighting provides more even exposure to factors such as size, style, and sector, potentially providing opportunity for better diversification for your portfolio.

Dedicated advisor

Your own dedicated service advisor will be there along the way to help with financial planning needs and behavioral coaching.

Advisory services are provided for a fee by either Personal Capital Advisors Corporation ("PCAC") or Empower Advisory Group, LLC (“EAG”) depending on your specific investment advisory services agreement. Both PCAC and EAG are registered investment advisers with the Securities and Exchange Commission (“SEC”) and subsidiaries 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. All visuals are illustrative only. Actors are not PCAC or EAG clients.

  ("Site") has entered into an advertising campaign with Empower Personal Wealth, LLC ('EPW"), through which Site is paid up to $250 for each individual lead. The Site, due to such compensation, has an incentive to recommend EPW, resulting in a material conflict of interest. Individuals who are referred to EPW are not obligated to subscribe for investment advisory services provided by Empower Advisory Group, LLC ("EAG"). Those individuals who do subscribe for EAG's investment advisory services will not pay increased management fees or any other fees to Site, EPW, or EAG as a result of this campaign. Site financially benefits from referring individuals to EPW. Site is not affiliated with EPW or EAG.

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 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. All visuals are illustrative only. Actors are not EAG clients.

“EMPOWER” and all associated logos, and product names are trademarks of Empower Annuity Insurance Company of America. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice. ©  Empower Annuity Insurance Company of America. All rights reserved.