Information Density: Empower – Signal Evidence & AI Readability

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Invest well. Live a little.™

Whatever your financial happiness looks like, let’s get you there.

Open an account

Empower IRA

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Life can change. 
An IRA is here to stay.
Don't lose focus of your money. Consider rolling your old retirement accounts into an IRA and help align your future.Carefully consider all your options, including tax implications, fees, and expenses, before moving money between accounts. Assess all features of current accounts before moving money.

Explore your options

[IMG: A woman smiles holding a cup of coffee while considering rolling over 401k, 403b, 457b into IRA]

[IMG: A woman smiling while using a phone, with a financial dashboard and an advisor]

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Find your financial happy place at any life stage

Financial tools and advice from real people to help you fund your best life.

Open an account

[IMG: A smiling woman using a laptop, analyzing her financial data on a detailed dashboard interface.]

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You control how you retire

Personalized planning and investment advice for your post-work era.2

Schedule a call

[IMG: A cheerful woman uses a mobile app to review her bank account, reflecting confidence and ease in managing her finances.]

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Securely connect all your accounts in one place

Because getting good at money starts when you see the full picture of your investments, cash, credit, and other accounts.

Connect my accounts

Lottiefile

Lottiefile

Lottiefile

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Your helping hand to get good at money
Whether you’re saving for your honeymoon or for your empty nest, Empower products and solutions can help you save smarter and spend better.

Take me there

[IMG: Set manage and track your financial goals.]

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Tools that put your money to work for you
To help you make smarter decisions about how you invest, spend, save and plan for your future.

Explore the tools

[IMG: Monitor your cash flow.]

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Roll over your old retirement savings
Changing jobs? You have options for managing your old retirement plan. We’ll help you consider all the details before moving money.

Start rollover

[IMG: Plan for retirement]

[IMG: #1]

recommended retirement provider by financial professionals3

[IMG: 93k plans under administration]

retirement plans under administration1

[IMG: $2 Trillion]

in assets under administration1

[IMG: fastest growing]

retirement provider in America4

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Get money news and viewpoints

Life

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The Edge presents: A conversation with Tom Garfinkel

Watch our CEO talk with top leaders about defining moments that set them apart.

Watch now

Money

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Average IRA balances by age: Traditional & Roth

Explore how IRA and Roth IRA balances vary by age, including average account values and key retirement savings trends to help benchmark your progress.

5-minute read

Money

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How to open a 529 plan: A step-by-step guide

Learn how to open a 529 account in four steps, along with the tax advantages and requirements.

6-minute read

[IMG: Person using phone with secure account and financial access illustration]

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Getting good at money starts when you see the full picture

Connect your accounts to see your investments, cash, credit, and more in one place. We offer leading security measures like encryption, multi-factor authentication, and fraud protection to keep your data safe.

Connect my accounts

Learn more

Connect my accounts

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 an indirect 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. Advisory fees are calculated based upon the amount of assets being managed (as detailed further in the Empower Advisory Group, LLC Form ADV EAG Form CRSUnless otherwise noted: Not a Deposit | Not FDIC Insured | Not Bank Guaranteed | Funds May Lose Value | Not Insured by Any Federal Government AgencySecurities, when presented, are offered and/or distributed by Empower Financial Services, Inc., Member FINRA/SIPC. EFSI is an affiliate of Empower Retirement, LLC.EFSI Form CRS | Reg BI Disclosure | SEC Rule 605-606

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Signup - Onboarding

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Financial planning tools and guidance for the life you want.

[IMG: Stepper]

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Set up your Empower Personal Dashboard™

All images and screenshots provided are for illustrative purposes only.

Cybersecurity

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Cybersecurity you can count on

We earn your trust by protecting your data, identity, and assets.

See Security Guarantee

[IMG: We guard your data with people, process and technology.]

2,000+

technology and cyber associates1

10+

years of risk assessments 2

10M

annual calls, identities checked, fraud blocked3

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We stay ahead so you stay protected
With a dedicated team of security professionals and constantly evolving tech, we don’t just react to threats — we anticipate them.

[IMG: Innovation that outsmarts threats.]

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Technology Innovation Lab

Constantly evolving defenses to premept tomorrow’s threats today.

[IMG: See how we leverage AI to keep you safe.]

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Artificial intelligence

Watch how we use AI to enhance the speed and precision of our security.

Watch now

[IMG: Proven controls. Clean report. Year after year.]

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Independent audits

Trusted third-party experts audit and validate our security.

[IMG: Malicious traffic identified and blocked.]

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Client protection program

Strengthened by real-time fraud analysis and trusted industry partners.

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Putting your trust and security first
Hear directly from our Chief Information Security Officer, Doug Peterson, on the people, process, and technology that keep you secure.

Watch now

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Protecting your data is our first priority

Our systems are built with cybersecurity at the core. We constantly evolve to stay ahead of threats.

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Verifying it’s really you

We use multifactor authentication to reduce the chance of account takeover.

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Encryption you can count on

Your data is encrypted with AES-256 multifactor key management, including user specific keys and salts to keep it safe.

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We do not sell your data

We never sell your participants’ data. Our business is built on protecting your privacy, not profiting from it.4

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We store all your data in the United States

Your data is stored here — safeguarded by U.S. privacy and security laws.

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Our security framework: Innovation and vigilance

A modern cloud-based technology platform we own and manage
An unqualified, clean, comprehensive annual SOC 2 Type II report with no exceptions
DOL cybersecurity best practices met or exceeded
Verizon Cyber Risk Program certified + PEN testing
Policies aligned to NIST 800-53, NIST CSF, and other leading industry standards
Continuous audits in a highly regulated environment (SEC, FINRA, DOL, DOI, DOB)

[IMG: Independently audited, comprehensive SOC 2 Type II report - clean]

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Our Empower Security Guarantee
Participants are automatically enrolled in our Security Guarantee — with no cap to reimbursements, nor eligibility requirements.

See Security Guarantee

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Trusted leader. Proven innovator.

Optimizing workplace benefits for plan sponsors and participants.

Contact us

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93K+

plans under administration2

largest retirement services company in the US3

$2T

assets under administration2

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The Edge presents: A conversation with Tom Garfinkel

Ed sits down with Tom Garfinkel, Vice Chairman, President and CEO of the Miami Dolphins and Hard Rock Stadium and Managing Partner of the Formula 1 Crypto.com Miami Grand Prix.

Watch now

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Clarity is the new currency

Working Americans are more financially active than ever — managing more accounts, using more tools, and setting more goals. Yet their confidence remains elusive.

Read more

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How equity shapes workforce decisions, engagement, and financial confidence

Workers increasingly view equity as a symbol of trust and shared success, and many say they would be less likely to accept or stay in a role without it.

Read more

[IMG: Empowering America]

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Empowering America’s Financial Journey™ Corporate

New findings show how plan design, simplicity and participant support shape financial readiness.

Read more

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Empowering America’s Financial Journey™ Community-focused Organizations

See how participant behaviors differ across organizations serving our communities.

Read more

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Unmatched participant engagement
Built to help your people take control of their finances for a better today and a brighter tomorrow.

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Website experience and app

Placing the plan at participants’  fingertips, at home, and on the go.

Learn more

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Financial wellness

Providing educational tools and guidance to increase confidence and control.

Learn more

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Personalized communication

Timely, relevant, and tailored to an individual’s needs.

Learn more

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Fiduciary advice

Flexible, personal advice when people want it and need it.

Learn more

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Simplified, seamless administration

Making life easier for plan administrators with an award winning service team plus innovative tools and technology.
Immediate access to plan data and participant records
Plan diagnostics and analytics
24/7 access to service inquiries

See the details

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A spotless security record and guarantee

Plan sponsors enjoy our ironclad defense while participants gain the reassurance of our Security Guarantee.

Learn about security

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Strategic, smart plan design

We offer an extensive array of plan design options along with the Empower Benefit Design Score™ to optimize your plan’s effectiveness.

Learn more

Lottiefile

Lottiefile

Lottiefile

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Small and growing businesses

Provider of choice for startup and small businesses.3

Learn more

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Large and mega
businesses

Proudly serving the unique needs of the most complex corporations and enterprises.

Learn more

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Government plans

A leading provider across government entities, with 29 state plans.2

Learn more

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Not-for-profit organizations

60+ years of dedication to healthcare, education, and more.2

Learn more

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Taft-Hartley

#1 provider of retirement plans to unions.2

Learn more

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Multiple employer plans

Trusted to serve MEPs, PEPs, PEOs and more.

Learn more

Our client support team is fantastic. They make themselves available when we need help and they go above and beyond with their guidance and support.

Liz O.*

Plan Administrator

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Delivering award winning, world-class service4

Ranked #1 in 12 of 22 categories1

Advisors' Choice Award Winner5

Best budget app for tracking wealth and spending6

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Service you can count on, plan expertise you can trust

Contact us