Investments
Overview
- Where can I find my Investment Account Number?
- How Do I Get Started with Investment Services?
- How do I adjust my advisory fees?
- Why does your performance graph not match the performance from my institution?
- What are the primary limitations of the Investment Checkup?
- What is the purpose of the Investment Checkup?
Retirement Planner
- Social Security Estimate
- What is the Retirement Planner?
- What is the Distribution Phase?
- What is the Accumulation Phase?
- What is my Starting Portfolio?
- Growth Assumptions (Retirement Planner)
Empower Advisory Group
- Notification Disclaimer
- Reschedule a Call with Your Advisor
- Social Media Disclaimer
- Why should The Empower Advisory Group manage my money?
- How will you customize my strategy?
- Who makes investment decisions and what role does my Advisor play?
Personal Strategy
- What is the strategy activity feed?
- What is the strategy projection?
- How are the returns projected?
- Does this projection take into account my actual contributions to my Empower Personal Dashboard portfolio?
- Which Empower Personal Dashboard strategy is modeled in this Strategy Projection?
- What’s the easiest way to increase the actual contribution to my portfolio?
Allocation Determination
- Why might the historical results suggest a different outcome than the future projection?
- How are historical returns used?
- What is tracked by the Alternative Asset Class?
- Can I choose or edit my Alternative Allocation?
- How do Alternative Allocations compare to accounts managed by The Empower Advisory Group?
- What is an Alternative Allocation and how is it selected?
Costs Determination
Efficient Frontier, Historical Performance, & Monte Carlo
Empower Personal Cash™ Disclosures Last updated on 6/30/2023 The Empower Personal Cash™ Program is offered through Empower Personal Wealth, LLC (“Empower”). Empower is not a bank. Bank deposit products provided by UMB Bank n.a., Member FDIC (“UMB”). To participate in the program, you must open an account at UMB, through which your funds will be placed in accounts at participating program banks (which may include UMB). The advertised interest rates are paid by participating program banks, including by UMB in its capacity as a participating program bank. Your funds will be FDIC insured up to applicable limits while in transit through UMB. UMB receives a fee from each program bank (except UMB) in connection with the program that is based on the aggregate daily closing balance of deposits held in program accounts by such program bank. The fee may vary from program bank to program bank and will generally increase as the aggregate amount of funds held in program accounts with the program bank increases. The Empower Personal Cash™ Annual Percentage Yield (APY) as of 5/10/23 is 4.45% APY (4.362% interest rate). The calculation for APY is rounded to the nearest basis point. Both the interest rate and APY are variable and subject to change at UMB’s discretion at any time without notice. The information provided in your account application is being provided by you to UMB. UMB may share this information with UMB’s affiliates and with EMPOWER, each of which may use this information in accordance with its respective privacy policy. Upon acceptance of the application, an account will be opened with UMB. 1 - FDIC insurance up to $250,000 (including principal & interest) per depositor per program bank. The cash balance you place through the program is swept to one or more program banks where it earns a variable rate of interest and is eligible for FDIC insurance. If the number of program banks changes, the aggregate amount of available FDIC insurance could be higher or lower. If you have deposits at a program bank, you should consider electing not to use that bank by following the opt out instructions we provide. If you do so, the aggregate amount of FDIC insurance available to you will be lower. If you do not do so, your existing deposits and deposits through Empower Personal Cash™ at that program bank will be combined for the purposes of FDIC coverage, which could result in some of your funds at that program bank being uninsured. You can find a list of the program banks here: https://docs.empower.com/PDF/p/cash/program-banks.pdf For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the program banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. Funds you place in the Empower Personal Cash™ Program are not covered by SIPC insurance. 2 - There are no limits on the number of deposits or withdrawals you can make under the program. The maximum deposit limit per transaction is $250,000. The daily withdrawal limit is $25,000 unless in certain cases, you maintain a Personal Strategy account with Empower Advisory Group, LLC, or your account was opened and funded more than 60 days before the withdrawal, in which case the daily withdrawal limit is $100,000. For security reasons, there may be other limits on the amount, number, frequency, or destination of deposits or withdrawals you can make to or from the program. Transaction limits are subject to change at our discretion at any time.