Cancel Empower (Personal Capital) Advisory in 2026
Updated February 2026 • 7 min read
💡 Empower has two products: a FREE dashboard (net worth, spending, investment tracking) and a PAID advisory service (0.49-0.89% fees). You can cancel the advisory and keep the free dashboard.
Empower Advisory Fee Structure
- $100K-$1M: 0.89% annually ($890-8,900/year)
- $1M-$3M: 0.79% ($7,900-23,700/year)
- $3M-$5M: 0.69% ($20,700-34,500/year)
- $5M-$10M: 0.59% ($29,500-59,000/year)
- $10M+: 0.49% ($49,000+/year)
- Minimum investment: $100,000
On a $500K portfolio, you're paying $4,450/year in advisory fees — on top of underlying fund expenses. Over 20 years at 7% growth, that's roughly $150,000+ in cumulative fees.
How to Cancel Empower Advisory
- Contact your advisor: Call your dedicated Empower advisor or 1-855-855-8085
- State you want to close your advisory account: Be clear this is your final decision
- Initiate ACATS transfer: Have your new broker (Fidelity, Schwab, Vanguard) pull the account via ACATS
- Expect a retention call: They WILL try to keep you — their revenue depends on it
- Keep the free dashboard: Your Empower dashboard login still works for free account aggregation
What You Get for Free (Keep This)
- Net worth tracker across all accounts ✅
- Investment fee analyzer ✅
- Retirement planner ✅
- Cash flow and budgeting ✅
- Portfolio allocation analysis ✅
The free dashboard is genuinely one of the best financial tools available. Don't delete your account — just cancel advisory.
DIY vs Empower Advisory
Empower's advisory invests primarily in ETFs and individual stocks (for tax-loss harvesting). You can replicate this:
- Fidelity: Free trading, zero-fee index funds (FZROX, FZILX), free financial planning tools
- Vanguard: Legendary low-cost index funds, free retirement planning, Personal Advisor Lite at 0.15%
- Schwab: Free trading, Intelligent Portfolios (free robo-advisor with $5K minimum)
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