Family Office vs Empower

We make Family Office. Every fact about another app here comes from its own public pages, linked below and dated; where those pages do not say, the cell is blank. Family Office's column comes from its own code.

Who Empower suits

Empower's dashboard and Retirement Planner are free tools: the more accounts you connect, the more they show; its advisers manage portfolios of more than $250,000 for a fee.

Side by side

Feature	Family Office (ours)	Empower
US tax	Federal and state income tax (51 regimes, one per state and DC), capital gains and dividends with the net investment income tax, 85 percent of Social Security taxed (the statutory maximum) and IRMAA on Medicare premiums, year by year in the plan, and federal estate tax on the estate it leaves	Federal tax tables and a flat rate for each state; long-term capital gains rates on taxable withdrawals; 85% of Social Security taxed; required minimum distributions
Other countries	122 tax regimes in 34 countries; a move from one to another in the plan on Premium and up
Monte Carlo	The chance of success on every plan, the Free plan included; the paths and the fan chart on Gold and Platinum	5,000 simulations
Companies and trusts	On Platinum: any number of companies, sole traders, partnerships or trusts, beside the household
Property	Homes and rentals with their mortgages, purchases and sales: 1 on Free, 3 on Premium, no limit on Gold and Platinum	Rental income and the sale or downsizing of a home
Pensions	401(k), Roth 401(k), IRA, Roth IRA, 529 and Social Security; other pension income as an annuity	IRAs, 401(k)s, Social Security, pensions and annuities
Bank links	Through Plaid (United States): 2 on Premium, 10 on Gold and Platinum	Yes: connecting accounts is encouraged, not required
Free plan	Yes, with no card and no time limit: up to 8 items, one taxpayer and a projection of 5 periods. The paid plans start with 14 days free, card needed. The calculators are free, with no account.	Yes: the dashboard and the financial tools are free
Price	$15 to $59 a month (£12 to £49, CA$20 to CA$79); a year costs the price of 10 months	Free; Personal Strategy advice for more than $250,000 invested, for a fee
Where data is kept	Amazon Web Services in London (eu-west-2); bank links (Plaid), payments (Stripe) and maps (Google) through US providers; e-mail through Google Workspace; see the privacy policy for the full list
Export	The whole plan as a file you can import again, on every plan; the report printed to PDF on the paid plans; budget transactions as CSV

A blank cell: Empower's public pages did not say.

When Empower is the better choice

You want a free planner that runs 5,000 Monte Carlo simulations.
You want your linked US accounts and your plan in one free dashboard.
You want an adviser to manage the money too: Personal Strategy, for more than $250,000 invested.

When Family Office is the better choice

You want US tax worked out in the plan: each state's own income tax brackets, the net investment income tax year by year, and federal estate tax on the estate the plan leaves.
Your life spans more than one country: 122 tax regimes in 34 countries, and a move from one to another in the plan (Premium and up).
You own a company, a partnership or a trust: Platinum keeps any number of them beside the household.

Sources

Facts about other apps checked on 2026-11-10. Prices and features change: each app's own page is the reference.

Other comparisons

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