Guides › Financial Advisor Fees
Updated October 3, 2026. Quick answer: Empower Personal Wealth is less expensive at $500,000: $4,450 a year, versus $8,550 a year for Primerica, computed from each firm’s own SEC-filed fee disclosure. See the full side-by-side table below for $250,000, $1 million and $2 million.
What each firm charges, side by side
| Account balance | Empower Personal Wealth (annual fee) | Primerica (annual fee) |
|---|---|---|
| $250,000 | $2,225 | $4,350 |
| $500,000 | $4,450 | $8,550 |
| $1,000,000 | $7,900 | $15,200 |
| $2,000,000 | $15,800 | $27,600 |
Empower Personal Wealth discloses a tiered schedule starting at 0.89% (Empower Advisory Group Personal Strategy(R) Wrap Fee Program Brochure (Form ADV Part 2A / Appendix 1), 2026-05-15); Primerica discloses a tiered schedule starting at 1.25% advisory + 0.49% program = 1.74% (PFS Investments Inc. (Primerica Advisors) Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1, March 30, 2026).
What the fee includes, in each firm’s own words
Empower Personal Wealth (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%”
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. 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. The dollar figures in the table apply the schedule’s rates to each balance.
Primerica (PFS Investments Inc. (Primerica Advisors) Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1, March 30, 2026): “Advisory fee (Maximum), Account Value: $250,000 or less, 1.25%; $250,000.01-$500,000, 1.25%; $500,000.01-$1,000,000, 1.10%; $1,000,000.01-$3,000,000, 1.00%. Program fee, Account Value: $250,000 or less, 0.49%; $250,000.01-$500,000, 0.46%; $500,000.01-$1,000,000, 0.42%; $1,000,000.01-$3,000,000, 0.38%.”
Primerica Advisors is a breakpoint schedule: only the rate for your bracket applies, to the whole balance. This covers PFS Investments’ Lifetime Investment Program specifically, not Primerica’s much larger commission-based insurance and mutual fund business. An additional Asset Manager fee (0.00% to 0.50%, depending on the model selected) can apply on top.
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 runs $4,450 a year and Primerica runs $8,550 a year: a difference of $4,100 a year at that balance.
Want the full breakdown for either firm on its own? Read the Empower Personal Wealth fee page or the Primerica fee page for the complete tier table and source citations.
Thinking about leaving one of these firms instead of pricing what you would pay to stay? See what it costs to leave Primerica, or read the general mechanics of switching financial advisors.
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Empower Personal Wealth runs $4,450 a year at $500,000. See what else is available.
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Answer againSources
- 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
- PFS Investments Inc. (Primerica Advisors) Wrap Fee Program Brochure, Form ADV Part 2A Appendix 1 (March 30, 2026): https://www.primerica.com/public/pdf/PFSI-PriAdvForADVWraFeeProBro.pdf
- SEC Investment Adviser Public Disclosure, PFS Investments Inc. (Primerica Advisors) (CRD #10111): https://adviserinfo.sec.gov/firm/summary/10111
Methodology. This page was built October 3, 2026, re-pairing figures already archived and independently verified for Empower Personal Wealth and Primerica from each firm’s own SEC-filed disclosure; sources linked above. Nothing here is personalized financial, tax, legal, or investment advice. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.