Products and services

Innovation drives everything we do — and everything we do has a singular focus on helping people achieve financial independence. We push beyond the status quo to deliver outstanding products, service excellence and retirement solutions that others can't — or won't.


Whether you're interacting with our participant services center or working with an Empower relationship manager, we strive to provide service excellence focused on results.

  • Participant services
  • Relationship management
  • Individualized training

Our innovative tools can help you engage your employees and manage your plan more easily.

  • Plan Service Center
  • Participant website
  • Proprietary recordkeeping platform
Investment options

Take your plan to the next level with our open-architecture platform, which includes customized investment products and advisory services.

  • Great-West funds
  • Great-West Lifetime target date funds
  • Capital preservation products
  • Empower Retirement Advisory Services1
  • Empower Dynamic Retirement Manager™2
Plan administration

Easily manage your plan by tapping into our industry knowledge and expertise.

  • Administrative services
  • ERISA and non-ERISA
  • Regulatory and compliance
Customized retirement strategy

Empower Retirement Advisory Services can help you meet your fiduciary obligations and provide personalized recommendations and strategies to help your employees reach their retirement goals.

There is no guarantee provided by any party that participation in any of the Advisory Services will result in a profit.

Financial wellness

Our approach to education includes providing employees with information, resources and solutions that help them take control of their finances.

  • Personal consultations
  • Health and wealth solutions
  • Helpful financial information
Enhanced benefit services

We can help you create a benefits program that is tailored to the needs of your employees.

  • Nonqualified deferred compensation plans
  • Defined benefit plans
  • Total benefit integration
Retirement solutions

We offer industry-leading solutions for consolidating assets and protecting the tax-deferred status of employee funds for those who join or leave your company.

Public policy

It's our responsibility to serve as your advocate and to influence positive change in Washington, D.C., regarding retirement issues and regulations.

1 Online advice and the managed account service are part of the Empower Retirement Advisory Services suite of services offered by Advised Assets Group, LLC, a registered investment adviser.

2 The managed account service offered through Empower Dynamic Retirement Managerâ„¢ is provided by AAG.

3 Based on best-in-class awards from PLANSPONSOR 2017 DC Survey, February 2018.

Investments are not FDIC insured, are not guaranteed by Optum Bank® and may lose value.

Educational, communication and operational services regarding Empower HSA may be provided by registered representatives of GWFS. By electing Empower HSA, plan participants are contracting directly with Optum and its affiliates for this service. GWL&A, or its subsidiaries or affiliates, is not affiliated with Optum and is not responsible for their services.

Health savings accounts (HSAs) are individual accounts offered or administered by Optum Bank®, Member FDIC, and are subject to eligibility and restrictions, including but not limited to restrictions on distributions for qualified medical expenses set forth in section 213(d) of the Internal Revenue Code. State taxes may apply. Fees may reduce earnings on account. This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment and restrictions. Federal and state laws and regulations are subject to change.

All Optum trademarks and logos are owned by Optum®. All other brand or product names are trademarks or registered marks of their respective owners. Because we are continually improving our products and services, Optum reserves the right to change specifications without prior notice. Optum is an equal opportunity employer.