Empower

Comprehensive Financial Management Platform

Empower is a full-service financial platform designed to help over 20 million people manage their investments, plan for retirement, and achieve financial freedom throughout all of life's milestones. The platform combines sophisticated financial tools with personalized advisory services to provide users with a complete view of their financial life.

Who It's For & Core Problem

Empower serves personal investors at every life stage—from those just starting to save to high-net-worth individuals managing complex portfolios. The platform solves the fragmentation problem in personal finance by consolidating all financial accounts, investments, cash, credit, and retirement savings in one secure location, enabling smarter decision-making through comprehensive visibility.

Key Features & Capabilities

• Wealth Management Services: Personalized investment strategy and advice including Private Client services for $1M+ investors with private equity, tax planning, and legacy planning
• Personal Strategy: One-on-one financial advisor support with custom portfolios, tax optimization, and personalized financial planning (minimum $100k)
• High-Yield Cash Account: FDIC-insured up to $5 million with no fees, no minimums, and direct deposit
• Retirement Planning Tools: IRA and Roth IRA management, rollover services, and comprehensive retirement planning calculators
• Investment Accounts: Commission-free trading, managed accounts, mutual funds, ETFs, and equity access
• Financial Planning Suite: Net worth tracking, budgeting and cash flow analysis, portfolio analysis, savings planner, debt paydown tools, emergency fund calculator, and transaction monitoring
• Tax Filing Integration: File taxes directly through the dashboard
• Account Aggregation: Securely connect all external accounts to see the complete financial picture

Typical Workflows & Security

Users typically begin by connecting their existing financial accounts to gain visibility across their entire financial life. From there, they can utilize free planning tools, schedule consultations with advisors for personalized wealth management, roll over old retirement accounts into IRAs, or open new investment accounts. The platform employs enterprise-grade security measures including encryption, multi-factor authentication, and fraud protection.

What Sets It Apart

Empower differentiates itself through its dual approach: powerful self-service tools combined with access to human financial advisors and specialists. As America's #1 retirement provider with significant assets under administration, Empower offers institutional-quality services to individual investors. The platform's tagline "Invest well. Live a little.™" reflects its philosophy of balancing long-term financial security with enjoying life's moments.