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Your Program offers access to three different levels of investment advisory tools and services called Empower Retirement Advisory Services (Advisory Services). You can have Advised Assets Group, LLC (AAG), a registered investment adviser, manage your retirement account for you through the Managed Account service. Or if you prefer to manage your retirement account on your own, you can use the Online Investment Guidance and Online Investment Advice tools. These services provide a retirement strategy based on your investment goals, time horizon and tolerance for risk.
What fees do I pay to participate in Advisory Services?
There is no cost to use the Online Investment Guidance or Online Investment Advice tools. If you choose to have AAG manage your account for you, the annual Managed Account service fee will be assessed quarterly based on a percentage of your account balance, as follows:
|Participant Account Balance||Annual Managed Account Service Fee|
|Less than $100,000||0.45%|
|Greater than $400,000||0.15%|
There is no guarantee that participation in any of the advisory services will result in a profit or that the account will outperform a self-managed portfolio invested without assistance.
How can I get additional help choosing my investment options?
Employees of Empower Retirement cannot give investment advice. There are financial calculators and tools on this website that can help you choose investment options if you would like to construct your Program accounts yourself.
How can I get assistance with a retirement income strategy?
When you participate in any of the Advisory Services options (Online Investment Guidance, Online Investment Advice or the Managed Account service), you are provided with the added benefit of Spend-Down Advice at no additional charge, which assists you when you retire and begin taking distributions from your retirement accounts.
How do I get more information?
Log in to this website and select Advisory Services, or call the voice response system toll free at (877) 457-6263 for more information.
Representatives of Empower Retirement do not offer or provide investment, fiduciary, financial, legal or tax advice or act in a fiduciary capacity for any client unless explicitly described in writing. Please consult with your investment advisor, attorney and/or tax advisor as needed.
Core securities, when offered, are offered through GWFS Equities, Inc. and/or other broker-dealers. GWFS Equities, Inc., Member FINRA/SIPC, is a wholly owned subsidiary of Great-West Life & Annuity Insurance Company.
Securities available through Schwab Personal Choice Retirement Account® (PCRA) are offered through Charles Schwab & Co., Inc. (Member SIPC), a registered broker-dealer. Additional information can be obtained by calling (888) 393-7272. Charles Schwab & Co., Inc. and GWFS Equities, Inc. are separate and unaffiliated.
Empower Retirement refers to the products and services offered in the retirement markets by Great-West Life & Annuity Insurance Company, Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: NY, NY, and their subsidiaries and affiliates. The trademarks, logos, service marks and design elements used are owned by their respective owners and are used by permission.
Advised Assets Group, LLC is a registered investment adviser and wholly owned subsidiary of Great-West Life & Annuity Insurance Company (GWL&A). The trademarks, logos, service marks and design elements used are owned by GWL&A.
Unless otherwise noted: Not a Deposit | Not FDIC Insured | Not Bank Guaranteed | Funds May Lose Value | Not Insured by Any Federal Government Agency
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