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Managing your investments has never been easier!
Managing a modern investment portfolio is no longer just about stocks and mutual funds. Many investors now hold a mix of equities, ETFs, crypto, real estate, cash, private investments, and retirement accounts across multiple platforms. The challenge is not only seeing everything in one place, but understanding how all of those pieces work together. That is where both 8FIGURES and Empower enter the conversation, though they approach the problem from very different angles.
8FIGURES is built for investors who want a unified, cross-asset view of their wealth combined with AI-driven portfolio analysis. Empower, by contrast, is better known for traditional net worth tracking, retirement-oriented planning, and broad household financial visibility. Both can help investors organize their finances, but they are designed with different priorities in mind.
8FIGURES is built for investors whose portfolios go beyond traditional brokerage accounts. It brings together bank accounts, brokerage holdings, crypto, and other assets into one read-only view, then adds AI-powered analysis to help investors better understand allocation, risk, and portfolio opportunities. What makes it stand out is that 8FIGURES is not positioned as just another tracking dashboard. It combines portfolio intelligence with the added credibility of operating as an SEC-registered investment adviser, giving investors a platform designed not only to show their wealth, but to help them make better decisions with it.
Empower is a more established player in traditional wealth tracking and planning. In the current draft, it is framed as particularly strong for conventional brokerage accounts, retirement planning, fee analysis, and broad household financial aggregation. That makes it especially relevant for investors whose portfolios are centered on stocks, bonds, ETFs, mutual funds, and retirement accounts rather than a wider set of alternative holdings.
The broad appeal of Empower is straightforward: it offers a familiar wealth-management-style experience, gives users a consolidated picture of their finances, and is often a strong fit for investors who prioritize long-term planning and traditional financial oversight over cross-asset intelligence.
One of the clearest differences in this comparison is the kind of investor each platform is built to serve. The current draft positions 8FIGURES as a better fit for investors with more diverse holdings, including crypto, real estate, private investments, and alternatives alongside traditional securities. That matters because many legacy financial dashboards are strongest when dealing with standard retirement and brokerage assets, but less useful when a portfolio becomes more fragmented or less liquid.
8FIGURES is meant to treat nontraditional assets as part of the core portfolio, not as edge cases.
Empower, on the other hand, is described in the draft as strongest when the portfolio remains primarily traditional: stocks, bonds, ETFs, mutual funds, bank accounts, and retirement plans. That does not make it weaker overall. It simply means the product appears more naturally aligned with classic personal finance and retirement workflows than with deeply diversified, multi-asset investing.
8FIGURES takes a more modern, intelligence-driven approach to portfolio analysis. Rather than simply showing account balances and performance, it is designed to help investors understand how their assets work together across stocks, crypto, real estate, and other holdings. The platform’s strength is in turning a complex portfolio into clearer insights around allocation, risk, and potential next steps.
Empower, by contrast, is better known for analytics and planning within a more traditional wealth-management framework. It is often a stronger fit for investors focused primarily on conventional assets and retirement-oriented planning. The real difference is not that one platform offers intelligence and the other does not. It is that 8FIGURES makes cross-asset portfolio interpretation a more central part of the experience.
8FIGURES operates on a subscription model designed to cost a fraction of traditional advisor fees. It offers a low-friction entry point at $0.99 for the first month, then $14.99 per month after that. The platform targets investors who want professional insights without paying 1-2% annually in advisor fees. For investors with significant portfolios across multiple asset classes, the cost savings compared to traditional advisors can be substantial.
Empower offers a freemium model with basic wealth tracking at no cost. Premium features and human advisor access require higher account minimums and fees. Free tier includes:
• Basic account aggregation
• Net worth tracking
• Simple portfolio analysis.
Premium services include financial advisor access for accounts meeting minimum thresholds, typically starting around $100,000 in investable assets
8FIGURES is the stronger fit for investors who:
Empower is likely the better fit for investors who:
8FIGURES and Empower are not solving the exact same problem. Empower is better understood as a traditional wealth tracking and planning platform for investors whose financial lives are still centered on conventional assets and retirement planning. 8FIGURES is built for investors whose portfolios are broader, more complex, and more in need of interpretation across asset classes.
That difference matters. If your main priority is household visibility, retirement context, and a familiar wealth-management feel, Empower may be the more natural choice. But if you want a platform that combines cross-asset aggregation, AI-guided portfolio analysis, read-only security, and the added credibility of SEC-registered advisory status, 8FIGURES has the stronger modern-investor value proposition.
Managing your investments has never been easier!
