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1 Personal Strategy® advisory services are available when you invest more than $250,000 with us.

†Free Advisory Services Offer – Terms and Conditions (“Terms”)

Between November 1, 2025 and November 30, 2025, Empower Advisory Group, LLC (“EAG”) is offering new advisory services clients who enroll in Personal Strategy, a promotion on core advisory services as follows:

“Offer”: For all eligible core advisory assets used to fund your new Personal Strategy account (“Account”) amounting to $250,000 or more within 90 days of Account opening, you will receive a total of two (2) consecutive months of free* advisory services (“Free Months”) on the eligible core advisory assets used to fund your Account under this promotion. The Free Months begin on the calendar day in which the eligible funds first arrive in your Account and continue for the 2 months thereafter. The Free Months will apply only to the eligible added core advisory funds. For example, if you enroll in Personal Strategy on November 2, open your Account on November 7, and fund your Account with $275,000 from your outside 401(k) which arrive in your Account on November 15, you will receive 2 Free Months (November 15, 2025 through January 14th, 2026) on the $275,000 funded.

*Upon qualifying, you will receive the Free Months on your funded core advisory assets through a promotional fee waiver applied in arrears to your Account for the 2 months. Your Account will not be charged an advisory services fee on the eligible core advisory funds as your Account normally would for the billing period reflecting the Free Months.

Eligibility and Qualifications:
(1) The eligible period to enroll in Personal Strategy under this Offer is November 1, 2025 and November 30, 2025. The eligible period to fund your Account with the minimum qualifying amount of core advisory assets under this Offer begins on the day that your Account is opened (“Funding Period Start Date”) and ends on the 90th calendar day following the Funding Period Start Date (“Funding Period End”). Eligible funds must be received in your Account by the Funding Period End to qualify.
(2) Clients currently enrolled in any of the following products or services are ineligible for the promotion and do not qualify for the $250,000 target: non-Personal Strategy EAG accounts, Empower Premier Investment Account, Empower Taxable Investment Account, Empower Premier IRA, Empower Brokerage IRA, Empower-record kept assets, and any other assets managed or otherwise serviced by “Empower” (except for clients with assets in an Empower Personal Cash account).
(3) The fee waiver will not include amounts attributable to ineligible assets listed above nor will the fee waiver be applied to assets enrolled in Personal Strategy+.
(4) All cash, eligible securities, and/or margin debit balance transfers from external sources will be valued at the time those assets are received into your Account.
(5) To remain eligible and be granted each of the Free Months, your Account must maintain the then-current minimum qualifying Account balance as funded under this Offer (minus any losses related to trading or market volatility, or margin debit balances) for the Free Months period.
(6) Only new assets that EAG (or Personal Capital Advisors Corporation (“PCAC”)) has never provided advisory services for are eligible for this promotional Offer.
(7) Assets previously used to qualify for other EAG or PCAC promotional offers are not eligible.
(8) Employees of EAG or Empower are not eligible for this Offer.

EAG reserves the right to modify these Terms or terminate this Offer at any time, provided that EAG will continue to honor these Terms with respect to any Free Months already granted under this Offer. This Offer may not be combined with any other promotions and is not transferable. Notwithstanding the foregoing, this Offer, and any Free Months previously granted hereunder, supersede any other free months granted on the amount added under another similar promotion or offer. You are encouraged to consult with your tax advisor to discuss appropriate tax reporting requirements. If you have any questions, please contact Empower at 1‐855‐855‐8005.

EAG is a registered investment adviser with the Securities and Exchange Commission (“SEC”). SEC registration does not imply a certain level of skill or training. Investing involves risk. Past performance is neither a guarantee nor indicative of future returns. The value of your investment will fluctuate and you may lose money. Advisory services are offered for a fee by EAG, a wholly owned subsidiary of Empower Services Holdings US, LLC.

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