a husband and wife discuss financial plans with advisor

We believe everyone deserves access to fiduciary advice

We offer participants a variety of ways to access the fiduciary advice they want and need.

Investors crave advice that is personalized, unbiased and simple to understand1

76%

Wish someone would explain retirement savings to them in a simple way
 

53%

Think it is important to talk with someone who understands their needs

We offer a fiduciary advice model for everyone via their preferred communication:

Digital

Virtual

Over the phone

In person

A comprehensive fiduciary advice program

Whether savers are looking for quick, point-in-time check-ins or a recurring and comprehensive program, our fiduciary advice program is designed to support a wide range of needs. This model delivers advice on topics like savings rates, investments, distributions, financial planning (budgeting, debt management, etc.) and retirement income planning.

Best interest point-in-time advice2

One-time advice consultations on a range of topics, including retirement, investing, distributions and financial wellness.

Empower Retirement Advisory Services (Advisory Services)3

Personalized retirement strategies created, implemented and monitored by investment professionals and online advice for those looking to validate the strategy they created.

Advisor Managed Accounts4

Personalized retirement strategies that allow an advisor to incorporate their wealth management expertise while leveraging features of Empower Retirement Advisory Services.

Comprehensive Financial Planning

Financial plans for whole households that address all aspects of wealth management.

There is no guarantee provided by any party that participation in any of the advisory services will result in a profit.

Dynamic QDIA 5

Empower Dynamic Retirement Manager (DRM)™, Empower Retirement’s dynamic QDIA, allows employers to address the unique needs of each employee through their QDIA by transitioning savers into a personalized retirement strategy at a predetermined age.

Fiduciary protection

Our fiduciary advice solutions provide either 3(21) or 3(38) participant-level fiduciary advice on a variety of topics, including: savings strategies (pretax or Roth), savings rates, investments, distributions, financial planning (budgeting, debt management, etc.) and retirement income planning.

3(38)

service for those subscribing to Advisory Services

3(21)

service for those using online or point-in-time advice

Help give your employees the help they need for a brighter financial future. Please contact your sales representative at 877-630-4015

1 Empower Institute, “State of Financial Inclusion,” January 2021.

2 Point-in-time advice is provided by an Empower representative registered with GWFS Equities, Inc. at no additional cost to participants. There is no guarantee provided by any party that use of the advice will result in a profit.

3 Online advice and the managed account service are part of the Empower Retirement Advisory Services suite of services offered by Advised Assets Group, LLC, a registered investment adviser.

4 The advisory services are offered by the named registered investment adviser as defined by the advisory services agreement. Subadvisory services are provided by Advised Assets Group, LLC, an unaffiliated registered investment adviser. The named registered investment adviser may pay some or the entire participant advisory services fees to AAG.

5 The managed account service offered through Empower Dynamic Retirement Manager is provided by the named registered investment adviser as defined by the advisory services agreement.

FOR FINANCIAL PROFESSIONAL USE ONLY.

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Carefully consider the investment option’s objectives, risks, fees and expenses. Contact Empower Retirement for a prospectus, summary prospectus for SEC-registered products or disclosure document for unregistered products, if available, containing this information. Read each carefully before investing.

Securities, when presented, are offered and/or distributed by GWFS Equities, Inc., Member FINRA/SIPC. GWFS is an affiliate of Empower Retirement, LLC; Great-West Funds, Inc.; and registered investment adviser, Advised Assets Group, LLC. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice.

IMPORTANT: The projections, or other information generated on the website by the investment analysis tool regarding the likelihood of various investment outcomes, are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. The results may vary with each use and over time.

Investing involves risk, including possible loss of principal.

Insurance products are issued by or offered through Great-West Life & Annuity Insurance Company, Corporate Headquarters: Greenwood Village, CO; or in New York, by Great-West Life & Annuity Insurance Company of New York, Home Office: New York, NY. Guarantees are subject to the terms and conditions of the contract and the claims-paying ability of the insurer.

The managed account service is part of the Empower Retirement Advisory Services suite of services offered by Advised Assets Group, LLC, a registered investment adviser.

The Empower Institute is a research group within Empower Retirement, LLC.

All features may not currently be available and are subject to change without notice. ©2021 Empower Retirement, LLC. All rights reserved.

Unless otherwise noted: Not a Deposit | Not FDIC Insured | Not Bank Guaranteed | Funds May Lose Value | Not Insured by Any Federal Government Agency.