About Personal Capital (Now Empower Personal Wealth)
Personal Capital, now known as Empower Personal Wealth, is a leading financial technology (FinTech) company. It offers a combination of free financial tools and paid wealth management services.
The free platform provides users with a comprehensive digital overview of their finances, allowing them to link bank accounts, credit cards, mortgages, and investment accounts in one place. Key free tools include a Net Worth Tracker, Cash Flow Analyzer, Retirement Planner, and 401(k) Fee Analyzer.
The core business model revolves around converting users of the free tools into clients for their premium Wealth Management service, which includes personalized guidance from registered financial advisors for clients who have a minimum of about $\$100,000$ in investable assets.
Personal Capital Affiliate Program Overview
The Personal Capital (now Empower) affiliate program is a lucrative opportunity within the finance niche, rewarding affiliates for referring high-quality leads who engage with the platform’s free tools and eventually qualify for their paid services.
| Detail | Description |
| Industry | Finance, FinTech, Personal Finance, Wealth Management, Investment Advisory |
| Product Type | Financial Software/Tools (Free) and Managed Investment/Wealth Advisory Services (Paid) |
| Affiliate Program Type | Cost Per Action/Sale (CPA/CPS) – Commission is typically earned when a referred user signs up and meets specific asset tracking thresholds. |
Personal Capital Affiliate Program Offers
The program provides the necessary resources for promotion while setting specific guidelines for content and reach.
| Offer Detail | Information |
| Promotional Materials | Custom referral links, link and banner advertisements, creative assets. |
| Affiliate Cookie Duration | 30 days (This means you can earn commission if the referred user converts within 30 days of clicking your link). |
| Accepted Traffic Source | Websites, emails, social media, and other channels (generally, the focus is on content creators in the finance space). |
| Accepted Countries | Worldwide (However, the service itself is primarily focused on the United States market, as it deals with U.S.-specific accounts like 401(k)s and is SEC-registered). |
| Explicit Content | Not accepted (Prohibited by standard affiliate network terms). |
| Religious or Political Content | Generally not accepted for promotion in association with the program (Standard restriction on affiliate networks). |
Personal Capital Affiliate Commissions & Payments
The program offers a high commission payout, typically contingent on the quality of the referred user.
| Detail | Information |
| MLM | Single-tier commission structure (Not a Multi-Level Marketing program). |
| Commission Rate | Up to $\$100 – \$144$ (Varies based on offer/network, but generally high fixed-rate). |
| Commission Structure | Fixed commission per qualified sign-up (Qualified Lead status is usually triggered when a referred visitor tracks a minimum of $\$100,000$ or more in investable assets within the platform). |
| Payout Frequency | Monthly. |
| Payout Methods | Check, Direct Deposit, E-Payment (Method depends on the affiliate network used, e.g., FlexOffers, CJ Affiliate). |
| Minimum Payout | Typically around $\$100$ (May vary based on the affiliate network). |
Suitable Affiliates for Personal Capital Affiliate
The program is best suited for content creators who can consistently reach an audience that is financially mature, actively investing, and looking for comprehensive wealth management or retirement planning tools.
| Affiliate Type | Suitability |
| Bloggers | Highly Suitable. Especially those focusing on personal finance, retirement planning, investment analysis, and financial independence (FIRE movement). |
| TikTokers | Less Suitable. The audience often seeks quick, beginner financial tips, whereas this program targets users with significant assets (minimum $100k). |
| KOC/KOL/Influencers | Suitable, if Niche-Focused. Best if the influencer is in the Finance/Investing niche and their audience is affluent or has high investable assets. |
| YouTubers | Highly Suitable. Creators who publish detailed reviews, tutorials, and investment strategies for a serious investor audience. |
| Video Editors | Less Suitable. Their profession does not directly align with promoting financial products unless they create content for a finance-focused channel. |
| Livestreamers | Less Suitable. Unless the stream is dedicated to in-depth, high-finance topics, the format is generally not ideal for converting high-asset leads. |
Personal Capital Affiliate Software
Personal Capital (now Empower Personal Wealth) primarily utilizes third-party affiliate management networks for its program.
They are known to work with large affiliate networks like CJ Affiliate and FlexOffers. This indicates they do not rely solely on an in-house affiliate management software, but rather leverage established platforms to manage tracking, payments, and creative assets.
3 Alternatives for Personal Capital Affiliate Program
Here are three popular alternatives in the financial and investing niche, followed by a comparison table.
- SoFi: A major personal finance company offering a wide range of products including loans, refinancing, banking, and investing. Their program often has competitive payouts for various financial products, appealing to a broad demographic interested in improving their overall financial life.
- Acorns: A micro-investing platform that automatically invests spare change. It targets younger or newer investors, making the conversion simpler (often a simple sign-up or small deposit) than the high asset requirement of Personal Capital.
- Credit Karma: A platform offering free credit scores, reports, and financial insights. It’s a high-volume lead-generation program, as the service is free for the user, resulting in a lower per-conversion payout but potentially higher conversion rates.
| Comparison Factor | Personal Capital (Empower) | SoFi | Acorns | Credit Karma |
| Average Bill | High (Managed accounts require $100,000+ assets) | Variable (Loans, investing, banking) | Low (Micro-investing, subscription fee) | None (Free service, revenue from ads/offers) |
| Entry Fees | None for the free tools, AUM fees for managed service | Varies by product (e.g., no-fee investing) | Low monthly subscription fee | None |
| Withdrawal Threshold | ~$100 (Network dependent) | Network dependent | Network dependent | Network dependent |
| Payment Frequency | Monthly | Monthly | Monthly | Monthly |
| Commission | High (Up to $100 – $144 per qualified sign-up) | Competitive CPA/CPS (Varies by product) | Fixed CPA (Often $5-$10 or similar for a sign-up) | Low CPA (Often $2-$6 per lead) |
| Conversion | Low-to-Moderate (Requires a high-value action, e.g., $100k tracked assets) | Moderate (Easier sign-ups for lower-friction products) | High (Low barrier to entry, appealing to a mass audience) | Very High (Free service, simple lead action) |
| Marketing Materials | Links, Banners, Creatives | Links, Banners, Product-specific Ads | Links, Banners, App-focused Creatives | Links, Banners, Credit-focused Creatives |
