Empower (Personal Wealth, formerly Personal Capital)
Depends
Confidence: Medium
Use the free dashboard for net-worth tracking; it's among the best in class.
New check
Comparison
Empower (Personal Wealth, formerly Personal Capital) vs Portfolio Genius
Empower (Personal Wealth, formerly Personal Capital) and Portfolio Genius both land on Depends.
Portfolio Genius
Depends
Confidence: Medium
Try it if you are a hands-on investor with accounts spread across brokerages who will actually use the AI analysis and auto-sync.
| Compare | ||
|---|---|---|
| Verdict | Depends | Depends |
| Best for | Net-worth tracking across all accounts | Active hands-on investors |
| Who it's not for | Small-balance investors wanting managed advice . high minimums (Guess: ~$100k) | Passive index-and-hold investors |
| Privacy | No public vulnerabilities found for itself; SEC enforcement hit the advisory arm, and some breach headlines involve similarly named firms.⁷ | No known public vulnerabilities found in the sources reviewed. |
| Support quality | Harsh retirement-plan service reviews | No support evidence in sources |
| Public sentiment | Opinion splits: reviewers love the free net-worth tracker, while retirement-plan customers and fee-sensitive users are sharply negative.¹ | Independent review snippets praise ease of use and an official Reddit community exists, but detailed verbatim user feedback is scarce. |
| Biggest gotcha | Advisory fees on large balances sting; one 4-year user left 'burned' after exiting⁶ | TPG/Abrigo and Teralyt sell identically named software; many online reviews are for different products |
Pick Empower (Personal Wealth, formerly Personal Capital) when
- Net-worth tracking across all accounts
- DIY investors wanting a free dashboard
- High-balance investors wanting human-plus-robo advice
When Empower (Personal Wealth, formerly Personal Capital) is not a fit
- Small-balance investors wanting managed advice . high minimums (Guess: ~$100k)
- Budget-only users who'll resent advisory upsells
- Fee-sensitive index investors . advisory fees compound hard
- Retirement-plan participants expecting responsive service (per Trustpilot)
Pick Portfolio Genius when
- Active hands-on investors
- Multi-brokerage consolidation
- Spreadsheet upgraders wanting automation
- Concentration/overlap checking
When Portfolio Genius is not a fit
- Passive index-and-hold investors
- Anyone expecting accountable, regulated advice
- Banks needing investment accounting (different TPG product)
- Hands-off investors who won't act on suggestions
Sources
- Empower Review: Best Net Worth Trackerchoosefi.comreview
- Empower Review - PCMagpcmag.comreview
review
review
- empower-retirement.com Reviews - Trustpilottrustpilot.comreview
review
security
- Empower | Official siteempower.comofficial
news
- 3 Empower Alternatives - Rob Bergerrobberger.comnews
- Portfolio Genius homepageportfoliogenius.aiofficial
- Features . AI Portfolio Tracker with Auto-Syncportfoliogenius.aiofficial
- Frequently Asked Questionsportfoliogenius.aiofficial
- Limitations & Disclaimersportfoliogenius.aiofficial
- Empower vs Kubera vs Portfolio Genius comparisonportfoliogenius.aiofficial
- AI Portfolio Tracker . 7-Day Trial from $10/moportfoliogenius.aiofficial