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Retirement Plan Services
Based on Nobel Prize-winning portfolio theory, the advice your participants receive is generated by GuidedChoice™.1
GuidedChoice is a licensed, independent investment adviser that generates the advice provided to your retirement plan participants. The firm was co-founded by Harry Markowitz, Ph.D., who was awarded the Nobel Prize for his work in developing Modern Portfolio Theory.2 This theory is a sophisticated investment decision approach that is widely used as the foundation for asset allocation principles used by institutional investors. It is the basis for the advice participants receive.
Because plan-level data (including plan set-up rules such as employee contribution limits, employer match, company stock availability and investment choices) are provided to GuidedChoice, the advice participants receive is specific to their plan as well as their individual account.
At the heart of our advice service is the GuidedSavings™ tool developed by GuidedChoice. This sophisticated, yet easy-to-use tool is available to your participants on the web and used by the Schwab Advice Services Representatives who assist them. It provides advice that is consistent regardless of the channel used to access advice.
Using the GuidedSavings Tool >>
1 Schwab Personal Retirement Planning™ investment advice is formulated and provided by GuidedChoice Asset Management, Inc. (GuidedChoice). GuidedChoice is not affiliated with, nor is it an employee or agent of Charles Schwab & Co., Inc. Member SIPC (CS & Co.) or Schwab Retirement Plan Services, Inc. (SRPS). The GuidedChoice service is available to participants enrolled in plans that use the recordkeeping and related services of SRPS. Availability is subject to regulatory requirements. Plan sponsors must elect to make the GuidedChoice service available. Participant access to the GuidedChoice service is facilitated through CS & Co. Neither CS & Co. nor SRPS supervises, makes recommendations with respect to, or takes responsibility for monitoring the advice provided to participants by GuidedChoice. CS & Co. and SRPS are affiliates of each other and are wholly owned subsidiaries of The Charles Schwab Corporation.
2 GuidedChoice Nobel Prize-winning investment methodologies are designed and developed by Harry M. Markowitz, Ph.D., Nobel Laureate for Modern Portfolio Theory, www.guidedchoice.com.
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The Charles Schwab Corporation (Charles Schwab) provides services to retirement and other benefit plans and participants as well as equity compensation plan services and other financial and retirement services to corporations and executives through its separate but affiliated companies and subsidiaries, Schwab Retirement Plan Services, Inc.; The 401(k) Companies, Inc. and its subsidiaries; Charles Schwab Trust Company, a division of the Charles Schwab Bank; and Charles Schwab & Co., Inc. Brokerage products and services are offered by Charles Schwab & Co., Inc. (Member SIPC). Deposit and lending products and service are offered by Charles Schwab Bank, member FDIC and an Equal Housing Lender.