Brokerage Products: Not FDIC Insured • No Bank Guarantee • May Lose Value
Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.
Variable annuities are sold by prospectus only. You can request a prospectus by calling 1-888-311-4887 or by visiting schwab.com/annuity. Before purchasing a variable annuity, you should carefully read the prospectus and consider the investment objectives and all risks, charges, and expenses associated with the annuity and its investment options.
Money market funds are neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of a money market investment at $1.00 per share, it is possible to lose money by investing in the fund.
The values of target date funds will fluctuate up to and after the target dates. There is no guarantee the funds will provide adequate income at or through retirement. Target date fund asset allocations are subject to change over time in accordance with each fund’s prospectus.
Charles Schwab & Co., Inc., Charles Schwab Bank, optionsXpress, Inc., Compliance11, Inc., and Schwab Performance Technologies are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Brokerage products are offered by Charles Schwab & Co., Inc. (Member SIPC) ("Schwab") and optionsXpress, Inc. (Member SIPC) ("optionsXpress"). Schwab Advisor Services™ serves independent investment advisors and includes the custody, trading and support services of Schwab. Deposit and lending products and services are offered by Charles Schwab Bank, Member FDIC and Equal Housing Lender ("Schwab Bank"). Charles Schwab & Co., Inc. does not solicit, offer, endorse, negotiate, or originate any mortgage loan products and is neither a licensed mortgage broker nor a licensed mortgage lender. Windhaven Investment Management, Inc. ("Windhaven") and Thomas Partners, Inc. are registered investment advisor advisors and affiliates of Charles Schwab & Co., Inc.. Charles Schwab Investment Management, Inc. (CSIM) is an affiliate of Charles Schwab & Co., Inc.
1 Schwab’s short-term redemption fee of $49.95 will be charged on redemption of funds held for 90 days or less. Schwab reserves the right to exempt certain funds from this fee. Trades in no-load mutual funds available through the Mutual Fund OneSource service (including Schwab Funds), are available without transaction fees when placed through Schwab.com or our automated phone channels. For trade orders placed through a broker, a $25 service charge applies. Schwab reserves the right to change the funds we make available without transaction fees and to reinstate fees on any funds.
Charles Schwab & Co., Inc receives remuneration from fund companies participating in the Mutual Fund OneSource service for recordkeeping and shareholder services and other administrative services.
2 Schwab Charitable Fund is an independent nonprofit organization that has entered into service agreements with certain affiliates of The Charles Schwab Corporation.
3 Advisors are independent and are not employees or agents of Charles Schwab & Co., Inc. Schwab selects advisors and checks their experience and credentials against criteria Schwab sets, such as years of experience managing investments, amount of assets managed, professional education, regulatory licensing, and business relationship as a client of Schwab. Advisors pay fees to Schwab in connection with referrals. Schwab does not supervise advisors and does not prepare, verify, or endorse information distributed by advisors. Investors must decide whether to hire an advisor and what authority to give him/her. Investors, not Schwab, are responsible for monitoring and evaluating an advisor’s service, performance, and account transactions.
4 The Laudus Group® of Funds includes the Laudus Mondrian and Laudus Growth Investors Funds, which are part of the LaudusTrust and Laudus Institutional Trust and distributed by ALPS Distributors, Inc; and the Laudus MarketMasters Funds®, which are part of the Schwab CapitalTrust and distributed by Charles Schwab Investment Management, Inc. ALPS Distributors, Inc. and Charles Schwab Investment Management, Inc. are unaffiliated entities.
5 There is no fee to open and maintain your account. Other charges may apply. See the pricing guide for details.
6 Conditions apply. Please see schwab.com/guarantee.
7 Portfolio Management provided by Charles Schwab Investment Advisory, Inc. ("CSIA"), an affiliate of Charles Schwab & Co., Inc.
8 Schwab Bank High Yield Investor Checking accounts are available only as linked accounts with Schwab One® accounts. The Schwab One brokerage account has no minimum balance requirements, and there is no requirement to fund this account when it is opened with a linked High Yield Investor Checking account.
9 Restrictions Apply: Online trades of Schwab ETFs are commission-free at Charles Schwab & Co., Inc. while trades of third-party ETFs may be subject to commissions. Broker-Assisted and Automated Phone trades are subject to service charges. Waivers may apply. See the Charles Schwab Pricing Guide for details. Conditions Apply: Trades in ETFs available through Schwab ETF OneSource™ (including Schwab ETFs™) are available without commissions when placed online in a Schwab account. Service charges apply for trade orders placed through a broker ($25) or by automated phone ($5). An exchange processing fee applies to sell transactions. Certain types of Schwab ETF OneSource transactions are not eligible for the commission waiver, such as short sells and buys to cover (not including Schwab ETFs). Schwab reserves the right to change the ETFs we make available without commissions. All ETFs are subject to management fees and expenses. Please see pricing guide for additional information.
Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Shares are bought and sold at market price, which may be higher or lower than the net asset value (NAV).
Schwab ETFs are distributed by SEI Investments Distribution Co. (SIDCO). SIDCO is not affiliated with Charles Schwab & Co., Inc. Learn more at schwab.com/SchwabETFs.
10 Schwab's StreetSmart Edge® is available for Schwab Active Trading clients. Access to NASDAQ TotalView® is provided for free to non-professional clients who have made 120 or more equity and/or options trades in the last 12 months, 30 or more equity and/or options trades in either the current or previous quarters, or maintain $1 million or more in household balances at Schwab. Schwab Active Trading clients who do not meet these requirements can subscribe to NASDAQ TotalView for a quarterly fee. Professional clients may be required to meet additional criteria before obtaining a subscription to NASDAQ TotalView. This offer may be subject to additional restrictions or fees, and may be changed at any time.
11 Schwab Mobile Deposit service is subject to certain eligibility requirements, limitations, and other conditions. Enrollment is not guaranteed and standard hold policies apply. Requires a wireless signal or mobile connection.
12 Ratings and opinions expressed by clients are not meant to suggest future performance or the suitability of any account type, product, or service for any particular client and may not be representative of the experience of other clients. Schwab cannot guarantee the accuracy of the information included in client reviews. Please see reviews.schwab.com/1022/allreviews.htm for the most current ratings information and details surrounding calculation of the average rating scores and Publishing Guidelines.
13 International investments involve additional risks, which include differences in financial accounting standards, currency fluctuations, geopolitical risk, foreign taxes and regulations, and the potential for illiquid markets. Investing in emerging markets may accentuate these risks.
14 Conditions Apply: Trades in ETFs available through Schwab ETF OneSource™ (including Schwab ETFs™) are available without commissions when placed online in a Schwab account. Service charges apply for trade orders placed through a broker ($25) or by automated phone ($5). An exchange processing fee applies to sell transactions. Certain types of Schwab ETF OneSource transactions are not eligible for the commission waiver, such as short sells and buys to cover (not including Schwab ETFs). Schwab reserves the right to change the ETFs we make available without commissions. All ETFs are subject to management fees and expenses. Please see Charles Schwab Pricing Guide for additional information.
Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Shares are bought and sold at market price, which may be higher or lower than the net asset value (NAV).
Charles Schwab & Co., Inc. receives remuneration from third-party ETF companies participating in Schwab ETF OneSource™ for recordkeeping, shareholder services and other administrative services, including program development and maintenance.
Schwab ETFs are distributed by SEI Investments Distribution Co. (SIDCO). SIDCO is not affiliated with Charles Schwab & Co., Inc. Learn more at schwab.com/SchwabETFs.
15 The Schwab Retirement Income Variable annuity is issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. The contracts are sold exclusively by Charles Schwab & Co., Inc. through its representatives including both employees and independent contractors and their employees (“Schwab Financial Consultants”). Charles Schwab Investment Management, Inc. (CSIM) is the adviser for the underlying investment options.
Charles Schwab & Co., Inc. and Charles Schwab Investment Management, Inc. are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation and are not affiliated with Pacific Life Insurance Company or Pacific Life and Pacific Life & Annuity Company.
16 Based on operating expenses which are generally lower for ETFs than for actively managed mutual funds. Operating expenses represent the total of all a fund’s annual fund operating expenses. Management fees are but one component of the fund operating expenses. Remember that cost is only one consideration when making an investment decision. An investor may give up the opportunity to outperform the market by not being in an actively managed fund.”
Conditions Apply: Trades in ETFs available through Schwab ETF OneSource™ (including Schwab ETFs™) are available without commissions when placed online in a Schwab account. Service charges apply for trade orders placed through a broker ($25) or by automated phone ($5). An exchange processing fee applies to sell transactions. Certain types of Schwab ETF OneSource transactions are not eligible for the commission waiver, such as short sells and buys to cover (not including Schwab ETFs). Schwab reserves the right to change the ETFs we make available without commissions. All ETFs are subject to management fees and expenses. Please see Charles Schwab Pricing Guide for additional information.
Charles Schwab & Co., Inc. receives remuneration from third-party ETF companies participating in Schwab ETF OneSource™ for recordkeeping, shareholder services and other administrative services, including program development and maintenance.
Schwab ETFs are distributed by SEI Investments Distribution Co. (SIDCO). SIDCO is not affiliated with Charles Schwab & Co., Inc. Learn more at schwab.com/SchwabETFs.
Schwab Retirement Plan Services, Inc. and Schwab Retirement Plan Services Company (collectively “Schwab Retirement Plan Services”), are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation.
17 PortfolioCenter Hosted and Schwab OpenView Mobile now called Schwab Advisor Mobile Connect, are products of SPT. Schwab Performance Technologies (“SPT”), is a subsidiary of The Charles Schwab Corporation separate from its affiliate Charles Schwab & Co., Inc. (Schwab). Schwab is a registered broker-dealer that provides brokerage services, while SPT licenses software and provides related technology products and services. Independent investment advisors are not owned by, affiliated with or supervised by Schwab or its affiliates.
18 Schwab Bank, Charles Schwab Investment Management Inc. (CSIM), and Charles Schwab & Co., Inc. (“Schwab”) are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Schwab Retirement Plan Services provides recordkeeping and related services with respect to retirement plans. Trust and custody products and services are offered by Charles Schwab Bank. CSIM is the Registered Investment Advisor (RIA) that manages Schwab's proprietary funds (Schwab Funds). Schwab Funds are distributed by Schwab.
Index ownership — “Russell Fundamental Global Select Global Index” is a joint trademark of Russell Investments (“Russell”) and Research Affiliates LLC (“RA”) and is used by the fund under license. “Research Affiliates” and “Fundamental Index” are trademarks of RA. Subject to RA’s intellectual property rights in certain content, Russell is the owner of all copyrights related to the Russell Fundamental Indexes. Russell is the owner of the trademarks and copyrights related to the Russell Indexes. Schwab Fundamental US Large Company Index Fund is not sponsored, endorsed, sold or promoted by Russell or RA, and Russell and RA do not make any representation regarding the advisability of investing in shares of the fund.
19 Accounts must maintain a minimum balance of $5,000 to be eligible for automatic rebalancing.
Diversification, automatic investing, and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.
Schwab Intelligent Portfolios™ is made available through Schwab Wealth Investment Advisory, Inc. (“SWIA”), a registered investment advisor. Portfolio management services are provided by Charles Schwab Investment Advisory (“CSIA”). SWIA and CSIA are affiliates of Charles Schwab & Co., Inc. (“Schwab”) and subsidiaries of The Charles Schwab Corporation.
20 Requires a wireless signal or mobile connection. System availability and response times are subject to market conditions and you mobile connection limitations. Functionality may vary by operating system and/or device.
Apple®, iPhone, and Apple Watch™ are trademarks of Apple Inc., registered in the U.S. and other countries.
21 Before investing in a 529 Plan, carefully consider the plan's investment objectives, risks, charges, and expenses. This information and more about the plan can be found in the Schwab 529 Guide and Participation Agreement available from Charles Schwab & Co., Inc., and should be read carefully before investing. If you are not a Kansas taxpayer, consider before investing whether your or the beneficiary's home state offers a 529 plan that provides its taxpayers with state tax benefits and other benefits not available through this plan. As with any investment, it is possible to lose money by investing in this plan.
The Schwab 529 College Savings Plan is available through Charles Schwab & Co., Inc. and is managed by American Century Investment Management, Inc. The plan was created by the Kansas State Legislature under the provisions of Section 529 of the Internal Revenue Code and is administered by Kansas State Treasurer Ron Estes. Notice: Accounts established under the Schwab 529 College Savings Plan and their earnings are neither insured nor guaranteed by the State of Kansas, the Kansas State Treasurer, American Century Investments®, or Charles Schwab & Co., Inc. Accounts established under the Schwab 529 College Savings Plan are domiciled at American Century Investments and not Schwab.
American Century Investments receives remuneration from fund companies, including PIMCO Funds, American Beacon Advisors, Metropolitan West Management, LLC, and Baron Funds® for recordkeeping, shareholder services, and other administrative services associated with funds held in the Schwab 529 College Savings Plan portfolios.
22 See the Institutional Intelligent PortfoliosTM disclosure brochure for important information.
Institutional Intelligent PortfoliosTM is made available through independent investment advisors and is sponsored by Schwab Wealth Investment Advisory, Inc. (“SWIA”), a registered investment advisor. SWIA is an affiliate of Charles Schwab & Co., Inc. (“CS&Co.”) and a subsidiary of The Charles Schwab Corporation.
23 All advisory services (including the managed account portfolios) are provided by Advisor Firms (“Advisor”) an independent registered investment advisor, using the managed account technology services of Morningstar Associates, LLC (Morningstar), a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Morningstar is not affiliated with the Advisor. Neither the Advisor Firm nor Morningstar is affiliated with or an agent of Schwab Retirement Plan Services, Inc. (SRPS) or any of its affiliates (collectively Charles Schwab). There is no guarantee a participant's savings and investment strategy will provide adequate income at or through their retirement. Fees are charged by SRPS for the recordkeeping and related services it provides, and fees may also be charged by the Advisor Firm for its provision of the advisory services. Morningstar provides a savings rate recommendation as part of the managed account technology services it provides to the Advisor. For plans that do not include a salary deferral feature, a savings rate recommendation will not be included.
24 Charles Schwab Investment Management, Inc. (“CSIM”), the investment advisor for Schwab’s proprietary funds, and Charles Schwab & Co., Inc. (“Schwab”, Member SIPC), the distributor for Schwab Funds, are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation.
25 Schwab Intelligent Advisory™ is made available through Charles Schwab & Co., Inc. (“Schwab”), a dually registered investment adviser and broker-dealer. Portfolio management services for Schwab Intelligent Portfolios™ are provided by Charles Schwab Investment Advisory, Inc. ("CSIA"), a registered investment adviser. Please refer to the disclosure brochures for details about Schwab Intelligent Advisory. Free credit balances are swept into deposit accounts at Charles Schwab Bank (“Schwab Bank”). Brokerage products and accounts are offered by Schwab, Member SIPC. Deposit and lending products are offered by Schwab Bank, Member FDIC and an Equal Housing Lender. Schwab, CSIA, and Schwab Bank are affiliates and are subsidiaries of The Charles Schwab Corporation.
Brokerage Products: Not FDIC Insured • No Bank Guarantee • May Lose Value
Charles Schwab & Co., Inc. is an equal opportunity and affirmative action employer committed to diversifying its workforce. It is Schwab's policy to provide equal employment opportunities to all employees and applicants without regard to race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity or expression, national origin, ancestry, age, disability, legally protected medical condition, genetic information, marital status, sexual orientation, protected veteran status, military status, citizenship status or any other status that is protected by law.
The Charles Schwab Corporation provides a full range of securities, brokerage, banking, money management, and financial advisory services through its operating subsidiaries. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (“Schwab”), Member SIPC, offers investment services and products, including Schwab brokerage accounts. Its banking subsidiary, Charles Schwab Bank (member FDIC and an Equal Housing Lender), provides deposit and lending services and products.
Schwab Advisor Services™ serves independent investment advisors and includes the custody, trading, and support services of Schwab. Independent investment advisors are not owned, affiliated with, or supervised by Schwab. Schwab Retirement Plan Services, Inc. provides recordkeeping and related services with respect to retirement plans.
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