Personal Strategy®

Assets	Annual fee
INVESTMENT SERVICES CLIENTS
$100,000-$249,999	0.89%
WEALTH MANAGEMENT CLIENTS
$250,000-$999,999	0.89%
PRIVATE CLIENTS
First $3M	0.79%
Next $2M ($3,000,001 - $5M)	0.69%
Next $5M ($5,000,001 - $10M)	0.59%
Amount over $10M	0.49%
Family tiered billing⁴	0.79%

Assets

Annual fee

INVESTMENT SERVICES CLIENTS

$100,000-$249,999

0.89%

WEALTH MANAGEMENT CLIENTS

$250,000-$999,999

0.89%

PRIVATE CLIENTS

First $3M

0.79%

Next $2M
($3,000,001 - $5M)

0.69%

Next $5M
($5,000,001 - $10M)

0.59%

Amount over $10M

0.49%

Family tiered billing⁴

0.79%

	Personal Strategy Investment Services $100K minimum Schedule a call	Personal Strategy Wealth Management $250K minimum Schedule a call	Private Client $1M minimum Schedule a call Learn more
Financial advisor	Financial advisor Team	Financial advisor Dedicated	Financial advisor Dedicated
Tax optimization	Tax optimization	Tax optimization	Tax optimization
Disciplined rebalancing	Disciplined rebalancing	Disciplined rebalancing	Disciplined rebalancing
Dynamic portfolio allocation	Dynamic portfolio allocation	Dynamic portfolio allocation	Dynamic portfolio allocation
Education & college planning	Education & college planning	Education & college planning	Education & college planning
Private equity access**	Private equity access**	Private equity access**	Private equity access**
Private banking services ($5 million in assets)	Private banking services ($5 million in assets)	Private banking services ($5 million in assets)	Private banking services ($5 million in assets)
Tax & estate planning	Tax & estate planning	Tax & estate planning	Tax & estate planning

Personal Strategy Investment Services

$100K minimum

Schedule a call

Financial advisor

Team

Tax optimization

Disciplined rebalancing

Dynamic portfolio allocation

Education & college planning

Private equity access**

Private banking services
($5 million in assets)

Tax & estate planning

Getting good at money starts when you see the full picture

Connect your accounts to see your investments, cash, credit, and more in one place. We offer leading security measures like encryption, multi-factor authentication, and fraud protection to keep your data safe.

1 By avoiding tax-inefficient funds and adding the benefit from tax location and tax loss harvesting, our research shows proper tax management can improve portfolio returns by up to 1.0% annually. Inefficient funds alone can carry an average tax cost ratio of 1.5%, which is based on YCharts data for all domestic equity mutual funds as of March 31, 2024. Calculations take the average tax cost ratio since inception of each fund. If a fund did not provide a tax cost ratio since inception, it was excluded from the calculation.

2 Past performance does not guarantee future results. Tax optimization strategies depend on individual circumstances and may not be suitable for everyone. Estimated return improvements are based on historical data and modeling, which may not reflect future performance.

3 Advisory fees do not include underlying fund expenses, brokerage fees, or other costs that may apply. Please review our full fee schedule for details. There are no commissions to buy or sell stocks. Our average exchange-traded fund (ETF) expense ratio is 0.08% but can be lower or higher depending on account size and your Personal Strategy portfolio.

4 Parents and children of Private Clients can receive a flat annual advisory fee of 0.79% with no minimum AUM, and access to all Private Client services.

5 Personal Strategy advisory services are available when you invest more than $100,000 with us. Personal Strategy Wealth Management advisory services are available when you invest more than $250,000 with us. Empower Private Client advisory services are available when you invest more than $1,000,000 with us.

6 Vanguard, “Putting a value on your value: Quantifying Vanguard Advisor’s Alpha.” July 2022

7 Investopedia, “What fees do financial advisors charge?”, May 28, 2023

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).

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.

Asset allocation, diversification, or rebalancing does not ensure a profit or protect against loss.

iPhone, iPad, Apple, Apple Watch, and App Store are trademarks of Apple Inc.

Android, Google Play, and the Google Play logo are trademarks of Google LLC.

*At the time the testimonial was collected, the featured individual was a client of Empower Advisory Group, LLC (EAG) and was not compensated for providing this testimonial. This testimonial is representative of the client’s views at the time it was collected. Testimonials are not representative of the experience of all clients and are not a guarantee of future performance. Advisory services are provided for a fee by EAG, 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.

**Private equity investments are not appropriate for all investors and typically come with higher risks and fees. Empower works with clients to assess their financial situation, investment objectives, risk tolerance, time horizon, liquidity needs, and investment knowledge to determine if such investments are appropriate for them. Personal Strategy clients are required to be accredited investors to utilize private equity investments.

† iPad and MacBook are trademarks of Apple Inc. Empower Retirement, LLC and its affiliates are not affiliated with Apple Inc. No endorsement, sponsorship, or affiliation is implied.

Between December 1, 2025 and January 31, 2026, Empower Advisory Group, LLC (“EAG”) is offering eligible new and existing advisory services clients who fund their EAG Personal Strategy accounts (“Account”) with qualifying taxable assets a promotional offer as follows:

“Offer”: For all qualifying taxable assets used to fund your Account) , you will receive one reward (“Reward”), depending on the total amount of qualifying funds added to your Account as of the applicable Funding Deadline (as hereinafter defined), as follows:

Qualifying Funds | Reward | Model/Specs
$100,000 – $249,999 | Apple iPad (A16, 11-inch Wi-Fi, 128 GB, Silver) | MD3Y4LL/A
$250,000 or more | Apple MacBook Pro (16.2-inch, M4 Pro, 512 GB SSD, Silver) | MX2T3LL/A

Each qualifying client will receive only the specific Reward they have qualified for. Only one Reward may be earned per eligible client. This Offer is subject to the Eligibility and Qualifications terms herein. EAG reserves the right to modify these Terms or terminate this Offer at any time, provided that Rewards already earned will be honored. This Offer may not be combined with any other EAG or affiliate promotion, supersedes any prior promotional offer, and is not transferable. Exclusions and exceptions may apply at EAG’s sole discretion.

Eligibility and Qualifications

(1) This Offer is valid December 1, 2025, through January 31, 2026 (“Promo Period”).

(2) This Offer is only available to clients based in the United States.

(3) Funds qualifying for the Offer are net deposits of eligible taxable assets, which mean total inflows of taxable funds minus withdrawals, redemptions, or internal transfers, (“Net Deposits”) measured within the applicable funding period as outlined below.

(4) Clients who open a new Account between December 1, 2025, and January 31, 2026 are eligible for the particular Reward if they meet the following conditions:

A new Account must be opened by January 31, 2026; and
The new Account must be funded with Net Deposits totaling at least $100,000 by February 28, 2026 (the applicable new Account “Funding Deadline”).

For example, if you open a new Account on January 20, 2026, and fund it with $250,000 in taxable assets on February 15, 2026, and your Net Deposits as of February 28, 2026 remain at $250,000, you are eligible for and will receive the MacBook Pro Reward.

(5) Clients who fund an existing Account with additional Net Deposits between December 1, 2025, and January 31, 2026 are also eligible if they meet the following conditions:

The existing Account must be funded with new Net Deposits during the Promo Period; and
The new Net Deposits funding the existing Account must total at least $100,000 by January 31, 2026 (the applicable existing Account “Funding Deadline”).

For example, if you are an existing client and transfer $150,000 in new taxable assets into your existing Account on December 15, 2025, and your Net Deposits between December 1, 2025, and January 31, 2026, total $100,000, you qualify for and will receive the iPad Reward.

(6) The following assets are ineligible as Net Deposits and do not count toward the $100,000 or $250,000 Net Deposits threshold: retirement accounts (Individual Retirement Accounts (“IRAs”), 401(k)s, or other qualified plans), internal transfers between Empower or EAG accounts, Empower Premier Investment Account assets, Empower Taxable Investment Account assets, Empower Premier IRA assets, Empower Brokerage IRA assets, Empower-recordkept assets, held-away retirement assets currently enrolled in Personal Strategy+, any other assets managed or otherwise serviced by “Empower” (except Empower Personal Cash assets), and assets previously used to qualify for another EAG or Personal Capital Advisors Corporation (“PCAC”) promotion.

(7) Only assets that EAG or PCAC have never managed are considered new and eligible under this Offer.

(8) Employees of EAG or Empower are not eligible for this Offer.

Reward Delivery and Modifications
Rewards are available while supplies last. The Reward will be shipped and tracked to your Account’s mailing address of record within one (1) to four (4) weeks of EAG confirming your eligibility and completion of all applicable conditions. You must contact your EAG advisor within 30 days of your device shipment date to report a failed or damaged delivery for EAG to honor a replacement Reward.
EAG reserves the right to substitute a Reward of equal or greater value in its sole discretion.

Tax Disclosure
The value of any Reward you receive may constitute taxable income. Empower or an affiliate may issue you an IRS Form 1099 reflecting the value of the Reward for the year in which it is received. Empower and its affiliates do not provide tax or legal advice. Please consult your tax advisor regarding your personal circumstances.

Disclosures
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).

© 2025 Empower Annuity Insurance Company of America. All rights reserved. “EMPOWER” and all associated logos, and product names are trademarks of Empower Annuity Insurance Company of America.

Portfolio management & financial planning for life

Your financial strategy & nobody else’s

Responsive advisors

Ongoing financial planning

Unbiased advice

Innovative technology

Tell us where you want to go

Personalized portfolio design

Unique diversification method

Daily portfolio monitoring

Flexible investing choices

Tax optimization

Three-part strategy

Reduce tax exposure

Track everything in your dashboard

Coaching to help you stay on course

Transparent advisory fee

Compare our wealth management services⁵

Value you can see

Let's talk

Getting good at money starts when you see the full picture

Portfolio management & financial planning for life

Your financial strategy & nobody else’s

Responsive advisors

Ongoing financial planning

Unbiased advice

Innovative technology

Tell us where you want to go

Personalized portfolio design

Unique diversification method

Daily portfolio monitoring

Flexible investing choices

Tax optimization

Three-part strategy

Reduce tax exposure

Track everything in your dashboard

Coaching to help you stay on course

Transparent advisory fee

Compare our wealth management services5

Value you can see

Let's talk

Getting good at money starts when you see the full picture

Compare our wealth management services⁵