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Empower

Empower

Money & Personal Finance ResourcesInvestment & Portfolio ToolsNet Worth & Wealth TrackersRetirement Planning
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Verified working Sep 20, 2026

A retirement and investing hub with linked-account money planning tools.

Empower combines retirement accounts, investment services, cash management, and personal finance tracking in one consumer-facing platform. Its site emphasizes IRA rollovers, managed investment advice, account aggregation, and planning tools for retirement, budgeting, net worth, debt, and cash flow.

Why it stands out

  • Pairs consumer money-tracking tools with retirement-plan and IRA services rather than focusing only on budgeting.
  • Supports a broad financial picture by linking outside accounts across investments, cash, credit, and other holdings.
  • Offers both self-guided planning tools and access to human advisor support for more complex planning.
  • Includes specialized retirement workflows such as rollover IRAs and post-work income planning.
  • Private Client tier adds advanced planning areas such as tax, legacy, and private-market access for high-net-worth users.

Good to know

  • Private Client services are positioned for users with $1M+ in investments.
  • A rollover is not automatically the best choice; users should compare taxes, fees, expenses, and current-plan features before moving money.
  • Some offerings are free or low-fee, but advisory, managed account, and investment services can involve costs that should be reviewed separately.
  • Cash account FDIC coverage is described as aggregate program coverage up to a limit, so users should confirm how coverage applies to their own balances.

Photos

Illustration for Empower