Retirement Plan Advice

Get more with Personal Strategy+

Get comprehensive wealth management for all of your accounts. We’ll monitor and rebalance your employer-sponsored retirement accounts, including 401(k) and 403b¹. Plus, you can track all of your employer-sponsored retirement plan transactions simply by glancing at your Empower Personal Dashboard™.

We do the work for you

Take a confident approach to reach retirement by letting us manage your employer-sponsored retirement accounts.¹

Custom allocation

Get a custom-built allocation based on your plan’s investment options and your full financial picture. We’ll dynamically shift it over time to align with your Personal Strategy.²

Monitoring and rebalancing

We monitor your plan options and make changes to your investments, regularly rebalancing your employer-sponsored retirement account back to your custom target allocation.

Dashboard reporting

Your employer-sponsored retirement account will appear as a managed account, so you can keep an eye on all transactions via the Personal Strategy section of your dashboard.

Higher average returns³

Get Empower’s wealth management expertise on your employer-sponsored retirement accounts. In certain periods of market volatility, plan participants who used some form of investment assistance with their plan achieved 3% higher returns net of fees than plan participants who did not seek assistance.

Get more out of your employer-sponsored retirement plan¹ with Personal Strategy+

Qualifications

• You have a non-Empower account like a 401(k) or 403b.
• Additional restrictions may apply, contact one of our financial professionals for details.

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1 Must be a non-Empower retirement account. May not be available for all plans.

2 Target allocations for Personal Strategy+ accounts will be built in an attempt to align with the fundamental asset allocation of the Client’s Personal Strategy. In alignment with this general approach to investing, preference will generally go to selecting low-cost passive index funds over actively managed mutual funds for otherwise similar plan options. Funds are selected within the context of their overall fit in the portfolio allocation and how well they represent a particular asset class that the Personal Strategy is aiming to replicate. The investment selection process involves a cost/benefit analysis that takes into consideration cost, diversification benefits, risk, return, our preference for unaffiliated products, and plan constraints. There will be allocation and performance differences between a Client’s Personal Strategy+ employer-sponsored retirement account(s) and the Client’s core Personal Strategy account(s).

3 According to Financial Engines research, Help in Defined Contribution Plans: 2006 through 2012, May 2014. For a complete copy of the research study, visit https://corp.financialengines.com/employers/FinancialEngines-2014-Help-Report.pdf

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.