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Personal advice for every participant.¹ At no extra cost ².

Never has it been so important—and so potentially rewarding—to offer your employees a program that recognizes their need for a more personal approach.

As defined benefit plans have given way to 401(k)s, the responsibility of investing for retirement has shifted to employees. With the shift has come a greater need for investment advice.

The need for a better solution.

To date, company-supported investment guidance has generally taken the form of web-based tools, seminars and workbooks. And yet many participants just aren't comfortable with tools or group sessions alone. They would like the kind of personalized retirement investment advice that is generally available only to those who can afford to pay for it themselves or those senior enough to receive it as a company benefit.

The advice participants truly need.

Now, leveraging regulatory developments regarding retirement plans, Schwab is pleased to offer an advice program that helps overcome potential inequities and barriers to your plan's success—advice that's personal, available to every plan participant and built into your plan without additional cost.

It's just one example of Schwab's commitment to helping individuals take control of their financial future. And it's the right thing to do.

We believe professional advice should be an integral part of your plan—not an expensive option.

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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 "At no extra cost" and "no additional cost" mean that there is no cost for service outside the standard fees paid to Schwab Retirement Plan Services ("SRPS") and Charles Schwab and Company, Inc. ("CS&Co") for recordkeeping and related services of SRPS and CS&Co.