Empower Premier IRA
Invest well, no matter your style
With Empower Premier IRA, you can invest on your own or choose professional management supported by real people who know your goals.
Support that meets you where you are
Get started with options designed to fit your goals with access to more than 130 carefully selected funds, smart planning tools, and clear pricing from day one.
Advice when it counts
Unlimited access to advisors for 1:1 calls — easy to schedule or join by phone to help you stay on track.3, 4
Simple process, confident outcomes
Target date and risk-based funds designed to help make it easier and quick to get invested.
Plan for retirement, plan for life
Use the Empower Personal Dashboard™ to find tools that help you plan for tomorrow and today.
...or let us do the work for you
Take the guesswork out of your investments with our managed portfolio option.3 Get a customized strategy and ongoing year-round portfolio management to help keep you on track.
Being in the hands of people that know what they're doing... diligent, professional, extremely patient. I was dreading to do this, and they made this process so easy and comfortable for me.
Grazyna H.
Unpaid client of Empower Advisory Group, LLC. and Empower Financial Services, Inc.5
Transparent pricing from the start
Open a Premier IRA with no sign-up, administrative, or transaction fees.6 For those who want a more managed portfolio experience, enjoy clear and competitive annual advisory fees.
| Assets | Fees |
|---|---|
| Empower Premier IRA | No administration fee |
| Annual account management advisory fees | |
| Up to $100,000 | 0.50% |
| Next $150,000 | 0.40% |
| Next $150,000 | 0.30% |
| Greater than $400,000 | 0.20% |
More ways to help build your future
Rollover options, strategies, and tools that help you feel ready for what’s next.
Have an old IRA or 401(k)?
Move your money to Empower, and we’ll help make it easy to open and manage your retirement accounts — all in one place.*
Get your money’s worth
Sign up for Empower Personal CashTM and make your cash work overtime. Speed up your savings for emergencies, education, vacations, and more.
Check out our retirement planner
Plan for life’s big events as you test-drive potential retirement scenarios.
* Consider all your options, including taxes, fees, and expenses, before moving money between accounts. Assess all benefits of current accounts before moving money.
FAQ
FAQ
You will pay the operating costs (expense ratios) on the mutual funds in your portfolio. There are no account opening or closure fees, and no commission or transaction fees.
For the managed portfolio option, where our financial professionals build a custom portfolio and manage it for you, there is an annual advisory fee based on assets.
From day one, you’ll have unlimited access to 1:1 advisor support by phone, on-demand investment advice online, and a full suite of financial tools—all included at no additional cost. It’s everything you need to plan, track and help you reach your financial goals with confidence.
Your Empower advisor will walk through your full financial picture—things like your current savings, retirement goals, and income sources—to see how prepared you are for retirement. Together, you’ll review a personalized projection of your retirement readiness7, explore ways to improve your outlook, and discuss investment options that fit your needs and comfort with risk.
An IRA helps you grow retirement savings with tax advantages, investment choices, and can help provide you with long-term financial security. Learn more about IRAs.
Yes. You can roll over money from most workplace retirement plans—like a 401(k), 403(b), or 457(b)—into your Empower Premier IRA. In some cases, leftover funds in 529 plans may also qualify under current IRS rules.
It’s easy to get started with our simple four-step process to open, move, deposit, and invest your money. Learn more about rolling over your account. Consider all your options, including taxes, fees and expenses, before moving money between accounts. Assess all benefits of current accounts before moving money.
With an Empower Premier IRA, you can consolidate your savings, explore personalized investment options, and get guidance when you need it. Learn more about options for that old 401(k) here.
Two common types of IRAs are Roth IRAs and traditional IRAs, which have similar contribution limits but differ when it comes to their tax advantages.
Protecting your IRA is part of the plan
We safeguard your account with advanced encryption, fraud protection, and multifactor authentication.