Empower Personal Wealth Fees (2026): What You Pay in Dollars at $250k, $500k, $1M

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Updated September 18, 2026. Quick answer: Empower Personal Wealth discloses a tiered schedule starting at 0.89% in its Empower Advisory Group Personal Strategy(R) Wrap Fee Program Brochure (Form ADV Part 2A / Appendix 1) (2026-05-15). Converted to dollars, that runs $4,450 a year on a $500,000 account; see the full table below for $250,000, $1 million and $2 million.

The published numbers

From the Empower Advisory Group Personal Strategy(R) Wrap Fee Program Brochure (Form ADV Part 2A / Appendix 1) (2026-05-15): “On an annualized basis, EAG bases its Advisory Services fee on the following schedule calculated as a percentage of the total AUM: Investment Services Clients ($100,000 – $249,999 total AUM) 0.89% Wealth Management Clients ($250,000 – $999,999 total AUM) 0.89% Private Clients ($1 million or more total AUM) tiered structure $3MM or less AUM 0.79% On only the next $2MM AUM 0.69% On only the next $5MM AUM 0.59% On only the AUM over $10MM 0.49%”

• $100,000–$249,999 total AUM (Investment Services Clients): 0.89%
• $250,000–$999,999 total AUM (Wealth Management Clients): 0.89%
• Private Clients ($1,000,000+ total AUM) – first $3,000,000: 0.79%
• Private Clients – next $2,000,000 (i.e., $3,000,001–$5,000,000): 0.69%
• Private Clients – next $5,000,000 (i.e., $5,000,001–$10,000,000): 0.59%
• Private Clients – over $10,000,000: 0.49%

What you would pay

Below $1,000,000 AUM, the whole balance is charged a flat 0.89% (identical rate for both the $100k-$249,999 and $250k-$999,999 bands, so $250,000 x 0.0089 = $2,225 and $500,000 x 0.0089 = $4,450). At $1,000,000 or more (‘Private Clients’), the schedule becomes marginal/tiered starting fresh at 0.79% for the first $3,000,000 of AUM (not just the amount above $1M) – the brochure’s own worked example for a $7.5M account confirms this marginal, first-$3M/next-$2M/next-$5M/over-$10M structure. So $1,000,000 x 0.0079 = $7,900 and, since $2,000,000 is still within the first-$3,000,000 tier, $2,000,000 x 0.0079 = $15,800. Note this creates a real disclosed rate drop right at the $1,000,000 breakpoint (0.89% below, 0.79% at/above), which is why the $1M and $2M dollar figures are proportionally lower relative to rate than the $250k/$500k figures. Entity is the successor to Personal Capital Advisors Corporation (SEC-registration terminated 2023-04-11 on a corp-to-LLC conversion); confirmed via Empower’s own site (empower.com/products-solutions/wealth-management, which names Empower Advisory Group, LLC as the RIA) and Empower’s own published one-page fee schedule (docs.empower.com/PDF/p/misc/management_fee.pdf), both of which restate this identical 0.89%/0.79%/0.69%/0.59%/0.49% schedule.

How this compares

Our benchmark of published adviser fee schedules puts the weighted median annual cost near $2,000 to $2,500 on $250,000 (the benchmark). At $500,000, Empower Personal Wealth’s own published rate runs $4,450 a year.

Comparing Empower Personal Wealth against a full move? Read the general mechanics of switching financial advisors, or use a dated termination letter once you decide.

Sources

• Empower Advisory Group Personal Strategy(R) Wrap Fee Program Brochure (Form ADV Part 2A / Appendix 1) (2026-05-15): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1045311
• SEC Investment Adviser Public Disclosure, Empower Advisory Group, LLC (CRD #112058): https://adviserinfo.sec.gov/firm/summary/112058
• Empower Advisory Group, LLC, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/112058/PDF/112058.pdf

Methodology. This page was built September 18, 2026, drawing on Empower Personal Wealth’s own SEC-filed disclosure and, where cited, its published fee schedule, with sources linked above; any figure we could not independently confirm this session is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.