(4.3 / 5)8+ Ratings

Empower Reviews

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Overall Rating

4.3

8 Reviews

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About Empower

Empower.com is a financial platform that provides a variety of services to over 18 million Americans. It offers smart planning and investment advice for customers, a complete financial view in the Empower Personal Dashboard™, and facilitates meaningful conversations with Empower financial professionals.

The platform is designed to help individual investors redefine their strategy with free tools, tailored advice, and investment options. It also provides retirement planning tools, a net worth calculator, investment accounts, and budget planners.

Empower.com works with individuals and all sizes of organizations to offer investment, wealth management, and retirement solutions. It aims to provide a clear and simple understanding of where their finances are today and where they’re headed.

In addition, Empower.com offers a 401 (k), 403 (b), 457, or other workplace plan tracking, allowing users to manage their retirement account online and update information about their workplace plan.

The goal of Empower.com is simple: Help users achieve financial freedom. It focuses on doing what's right for the user, helping them reach their goals, simplifying their money concerns, and collaborating on their future.

Please note that the information provided is based on the data available as of March 31, 2024. The platform is constantly evolving and adding new features, so it's always a good idea to check the official website for the most up-to-date information.

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Empower Customer Reviews (8)

0/5

Nathan Seward

Verified Buyer

Jul 8, 2024

Callum May

Verified Buyer

Jul 8, 2024

Davi Dias

Verified Buyer

Jul 7, 2024

Jisse Slaman

Verified Buyer

Jul 5, 2024

Rosanna Li Fonti

Verified Buyer

Jul 4, 2024

Maddison O'Brien

Verified Buyer

Jul 4, 2024

Larry Desheriyev

Verified Buyer

Jul 3, 2024

Megan Hopkins

Verified Buyer

Jul 2, 2024

Empower Customer’s Q&A

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Empower Features and Benefits

Empower.com offers a variety of features and benefits:

Smart Planning and Investment Advice: Empower provides smart planning and investment advice for customers.
Complete Financial View: Users get a complete financial view in the Empower Personal Dashboard™.
Meaningful Conversations: Empower facilitates meaningful conversations with financial professionals.
Free Tools and Tailored Advice: Individual investors can redefine their strategy with free tools, tailored advice, and investment options.
Retirement Planning Tools: Empower offers retirement planning tools, a net worth calculator, investment accounts, and budget planners.
Low Fees and No Account Minimums: Benefits include low fees and no account minimums.
Managed Account Option: Empower offers a do-it-for-me managed account option.
Commission-Free Trading: Empower offers commission-free trading for the first 1,000 trades.

These features and benefits can help users manage their cash and plan for the future. They can track the funds they have today while optimizing their financial strategy for tomorrow.

Empower Pricing

Empower.com offers a variety of services, each with its own pricing structure:

Empower Personal Wealth: The first one thousand trades (1,000) placed online each calendar year are $0; thereafter, each online trade will be charged $6.95.
Empower Subscription Fee: Empower offers a 14-day free trial for first-time customers. After the trial concludes, Empower charges an $8 auto-recurring monthly subscription fee.
Empower Investment Management Fee: Here is the fee schedule:
- $1 Million and under: 0.89%
- For clients who invest $1 Million or more:
  - First $3 Million: 0.79%
  - Next $2 Million: 0.69%
  - Next $5 Million: 0.59%
  - Over $10 Million: 0.49%.

Please note that returning customers are not eligible for the 14-day free trial and will be charged the $8 fee immediately upon resubscribing.

Payment Method

Empower.com offers several payment methods. Users can deposit and withdraw money through the Empower dashboard, both through the website and mobile app. The platform currently allows ACH transfers.

In addition, Empower.com supports linking to mobile payment service apps such as PayPal and Cash App. Users can link their Empower account using their phone number and passcode.

For retirement withdrawals, Empower provides several distribution options, though there may be fees or tax implications depending on the distribution chosen. These include periodic payments, lump-sum distribution (partial or full), and others.

It's also worth noting that Empower has an e-Services portal where users can make payments using Credit Card or Net Banking.

Please note that the availability of these payment methods may vary, and it's recommended to check with Empower for the most accurate and up-to-date information.

Empower FAQs

Empower Alternatives

Here are some alternatives to Empower.com:

YNAB (You Need A Budget): A comprehensive budgeting tool that assigns tasks for your entire income.
Betterment: An affordable and beginner-friendly robo-advisor with no minimum investment requirement.
Rocket Money: A basic budgeting tool that focuses on monthly cash flow and recent transactions.
Facet Wealth: Offers one-on-one financial planning.
M1 Finance: Allows more customizable portfolios.
T. Rowe Price: An alternative retirement planning tool.
FIRECalc: A savings withdrawal calculator.
Chime: Known for its overdraft feature.
Dave: Offers a spending account.
Brigit: Known for flexible repayments.

These platforms offer various features like budgeting, investing, net worth tracking, and cash management. Each has its own strengths, so the best choice depends on individual needs and preferences. Always check the latest information on their official websites for the most accurate details.

How To Open A Empower Account?

To open an account on Empower.com, follow these steps:

Visit the Empower.com website.
Click on "Account" at the top of the Dashboard.
Select "Open a new account" at the bottom of the dropdown menu.
If you haven’t previously consented to receiving product communications from Empower, click the agreement checkbox.
Click "Save" and follow the prompts.

To start with Empower, you need to:

Be 18 years old or older
Have a bank account with a U.S. financial institution
Have a mobile phone number that can operate in the U.S. and can receive SMS

If you would like to open an Empower Card or AutoSave account, you will also need:

A valid SSN
A valid U.S. physical residential address

Remember, the process may vary slightly depending on the type of account you want to open. Always check the latest information on their official website for the most accurate details.