Save Enough Today to Enjoy a Comfortable Future
We’ve created an easier, more intuitive retirement planning experience to help you prepare for tomorrow – while still enjoying today. The goal is to help people just like you make better decisions – and achieve better outcomes.
An experience centered around your own personalized projection of retirement income
The ability to see the impact any changes you may make would have on your retirement income
The ability to see communications and education when you want — where you want
Your Retirement Plan
Use our innovative tools and services to find the best options and strategies to help keep the money you’ve saved working for you.
An Experience Focused On You
Through every interaction we have with you, we personalize retirement planning to help you reach your goals through simple and actionable information and resources.
Customized Retirement Strategy
With My Total Retirement™ from Empower Retirement, your customized investment plan is professionally managed, undergoes ongoing reviews and adjusts with you as your situation changes.1
We can help you remove the financial barriers preventing you from sufficiently replacing — for life — the income you made while working.
Enrolling In Your Plan Is An Important Part of Having the Future You Want
More Ways to Save
Explore a more holistic approach that helps you to and through retirement and includes rollover and roll-in services, annuities, and IRA options.
Choose from more than 130 mutual funds across a variety of asset classes or consider Empower brokerage for more options (available in both traditional IRA and Roth IRA) to fit your investing strategy.
Get the professional help you need when you’re considering consolidating your retirement assets into your Empower plan.
An Empower Investment Account allows you to continue investing if you’ve reached the contribution limits in your retirement accounts or if you have other financial goals you’d like to work toward.
Plan for Tomorrow. Live for Today.
We believe the journey to retirement should be as rewarding as every day after. By helping you take control of your financial future, we empower you to make the most of the here and now.
Empower HSA: The Future of Retirement Planning
Health savings accounts (HSAs) provide an additional opportunity to save for healthcare in retirement — and can offer triple tax savings.2
1 My Total Retirement refers to the managed account services available in the Empower Retirement Advisory Services suite of services offered by Advised Assets Group, LLC, a registered investment advisor.
2 Contributions, any earnings and withdrawals are federal income tax-free if used to pay for qualified medical expenses. State income taxes may still apply. HSA funds used for nonqualified medical expenses may be subject to applicable federal and state income taxes and/or penalties.
Investments are not FDIC insured, are not guaranteed by Optum Bank® and may lose value.
Educational, communication and operational services regarding Empower HSA may be provided by registered representatives of GWFS. By electing Empower HSA, plan participants are contracting directly with Optum and its affiliates for this service. GWL&A, or its subsidiaries or affiliates, is not affiliated with Optum and is not responsible for their services.
Health savings accounts (HSAs) are individual accounts offered or administered by Optum Bank®, Member FDIC, and are subject to eligibility and restrictions, including but not limited to restrictions on distributions for qualified medical expenses set forth in section 213(d) of the Internal Revenue Code. State taxes may apply. Fees may reduce earnings on account. This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment and restrictions. Federal and state laws and regulations are subject to change.
All Optum trademarks and logos are owned by Optum®. All other brand or product names are trademarks or registered marks of their respective owners. Because we are continually improving our products and services, Optum reserves the right to change specifications without prior notice. Optum is an equal opportunity employer.