Private client

Discover premium services

Customized portfolio

Experience a tailored portfolio that adjusts with your changing needs.

Tax optimization

Tax bills for many clients are reduced with our advanced tax strategies.

Private banking

Enjoy products and services through our relationship with BNY Mellon.

Private equity access*

Unlock private equity investments once reserved for large institutions.

Ready to reach your goals?

Let's talk about how you can benefit as an Empower Private Client if you have investable assets of $1 million or more. Schedule a call with an advisor for an in-depth financial analysis.

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Get more as a private client

Comprehensive investment strategy

Smart Weighting™

• Our methodology utilizes a more equally weighted approach to the factors of size, style and sector within US equities to help maximize returns and minimize risk.

Strategic tax management

• Our sophisticated tax-optimization process focuses on asset location, tax-loss harvesting, and tax efficiency.

• We can put together an analysis of the potential tax impact and other options on your portfolio before we make any adjustments, to help you make a decision you are comfortable with.

Disciplined rebalancing

• Financial professionals and specialized technology monitor your account daily to spot rebalancing opportunities and help you stay on track.

• Investments may be bought below target levels and sold above to help keep your portfolio balanced.

Stocks and ETF portfolio

• Individual stocks and ETFs are chosen for precise, tax-smart management and rebalancing.

• Mutual funds are avoided because they tend to be less tax-efficient and often have higher fees than ETFs.

Holistic financial planning

Cash flow planning and projections

• Saving for retirement matters, but so does planning how to use your money.

• Advisors and the Smart Withdrawal™ tool can help you create a plan for withdrawing money during retirement.

Education and college planning

• Whether it’s paying for a child’s education or a grandchild’s future at college, experienced advisors and helpful tools can guide you every step of the way.

Employer retirement plan strategy

• We’ll review your retirement plan options and recommend investments that align with your overall strategy. Availability may vary by plan.

Estate planning guidance

• Specialists will talk with you about your goals, review your current plan, and suggest updates to help meet your needs.

Insurance coverage review

• We provide guidance to help you make informed decisions that fit your coverage needs.

One all-in fee

No hidden fees, no trailing fees, and no trade commissions. Just one all-inclusive annual management fee.

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For primary and premium clients
First $1M	0.89%
For Private Clients
First $3M	0.79%
Next $2M	0.69%
Next $5M	0.59%
Over $10M	0.49%
Includes family tiered billing

All images and screenshots provided are for illustrative purposes only.

Empower Retirement, LLC and its affiliates are not affiliated with BNY Mellon.

Investing involves risk, including possible loss of principal.

Exchange-traded funds (ETFs) are a type of exchange-traded investment product that must register as either an open-end investment company (generally known as “funds”) or a unit investment trust. ETFs are not mutual funds.

Unlike with mutual funds, individual shares of ETFs are not redeemable directly with the issuer. ETF shares are a collection of securities bought and sold at market price, which may be higher or lower than the net asset value. Investment returns will vary based on market conditions and volatility, so an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. ETFs are subject to risks, including those of their underlying securities.

Private equity investments are not appropriate for all investors and come with higher risks and fees. Empower assesses an individual’s financial situation, investment objectives, risk tolerance, time horizon, liquidity needs, and investment knowledge to determine if such investments are appropriate and require the investor to be an Accredited Investor. The information provided is meant to provide a general understanding, but qualified investors considering investing in private equity investments should read the fund-specific offering documents in their entirety prior to investing. Carefully consider the investment objectives, risks, charges, and expenses before investing. Visit https://idirectpmfund.com/ for the prospectus.

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).

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