Empower

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Empower (formerly Personal Capital) pulls your complete financial picture into one place without charging a dime. Connect bank accounts, credit cards, and investments to see your true net worth and monthly cash flow in real time. The fee analyzer highlights what you're paying to advisors and mutual funds, helping you spot unnecessary costs before retirement.

Built specifically for people approaching or in retirement, it includes a dedicated retirement planner that models your income from Social Security, pensions, and investments. You get a clear forecast of whether your money will last, plus tools to optimize withdrawal strategies and tax situations.


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