Plan Sponsors empower employees financial health| Empower

We deliver on the simple premise that helping your employees take control of their finances now empowers them to make better savings decisions for their future

Wellness and Financial Center

Our wellness and financial center offers valuable information and resources, including calculators that can help employees manage their day-to-day finances more effectively

Information is categorized across four key areas:

Spending

Saving

Investing

Protecting

Visit Our Financial Wellness Site

Connected health and retirement savings

Empower has partnered with Optum^®, the largest HSA services provider, to help your employees prepare for one of the largest expenses they could face in retirement — healthcare costs.

The Empower health savings account (Empower HSA) gives employees enrolled in a high-deductible health plan a way to pay for current and future medical expenses as well as another way to save for retirement.

Investments are not FDIC insured, are not guaranteed by Optum Bank^® and may lose value.

Educational, communication and operational services regarding Empower HSA may be provided by registered representatives of GWFS. By electing Empower HSA, plan participants are contracting directly with Optum and its affiliates for this service. GWFS, or its affiliates, is not affiliated with Optum and is not responsible for their services.

Health savings accounts (HSAs) are individual accounts offered or administered by Optum Bank^®, Member FDIC, a subsidiary of Optum Financial, Inc. HSAs are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State taxes may apply. Fees may reduce earnings on account. This communication is not intended as legal or tax advice. Federal and state laws and regulations are subject to change.

All Optum trademarks and logos are owned by Optum^®. All other brand or product names are trademarks or registered marks of their respective owners. Because we are continually improving our products and services, Optum reserves the right to change specifications without prior notice. Optum is an equal opportunity employer.

Empower Student Debt Solution

Empower’s Student Debt Solution¹ is designed to help your employees pay off their student debt. While the program offers lending products and guidance tools that can help employees save on their student loan payments, you can also help them pay down their student debt. Or you can choose to contribute to their retirement plan accounts based on their student loan payments.

Help your employees reduce the financial stress associated with paying down their student debt.

1 Some features may not be available and are subject to change without notice.

The Empower Student Debt Solution is provided by CommonBond, Inc., which is not affiliated with Empower Retirement, LLC or its affiliates. Loans are offered through CommonBond Lending, LLC (NMLS #1175900) and subject to state law restriction. nmlsconsumeraccess.org

By accessing this content, you are certifying you are a plan sponsor or financial professional.

RO1820305-0821

Take control of their finances

Wellness and Financial Center

Connected health and retirement savings

Empower Student Debt Solution

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.