A rollover of retirement plan assets to an IRA is not your only
option. Carefully consider all of your available options which may
include but not be limited to keeping your assets in your former
employer's plan; rolling over assets to a new employer's plan; or
taking a cash distribution (taxes and possible withdrawal
penalties may apply). Prior to a decision, be sure to understand
the benefits and limitations of your available options and
consider factors such as differences in investment related
expenses, plan or account fees, available investment options,
distribution options, legal and creditor protections, the
availability of loan provisions, tax treatment, and other concerns
specific to your individual circumstances.
1. Restrictions apply: The standard online $4.95 commission does
not apply to foreign stock transactions, large block transactions
requiring special handling, or restricted stock transactions
(except for vested equity awards issued from an employer or
corporate stock plan trades). "Account" refers to the underlying
Schwab IRA brokerage account. Within that account could be
individual investments, some of which are subject to additional
fees and expenses. See the
Charles Schwab Pricing Guide for Individual Investors for
full fee and commission schedules.
2. If you are not completely satisfied for any reason, at your
request Charles Schwab & Co., Inc. ("Schwab"), Charles Schwab
Bank ("Schwab Bank"), or another Schwab affiliate, as applicable,
will refund any eligible fee related to your concern within the
time frames described below. Two kinds of "Fees" are eligible for
this guarantee: (1) "Program Fees" for the Schwab Private Client
("SPC"), Schwab Managed Portfolios™ ("SMP"), Schwab Intelligent
Portfolios Premium™ ("SIP Premium"), and Managed Account
Connection® ("Connection") investment advisory services
sponsored by Schwab (together, the "Participating Services"); and
(2) commissions and fees listed in the
Charles Schwab Pricing Guide for Individual Investors
("Account Fees") or the
Charles Schwab Bank Pricing Guide. Program Fee refund
requests must be received no later than the next calendar quarter
after the Fee was charged. Account Fee refund requests must be
received within one year of the date that the Fee was charged.
For more information about Program Fees, please see the disclosure
brochure for the Participating Service, made available at
enrollment or any time at your request. The Connection service
includes only accounts managed by Charles Schwab Investment
Advisory, Inc., an affiliate of Schwab.
The guarantee does not cover Program Fees for accounts managed by
investment advisors who are not affiliated with Schwab or managed
by Schwab‐affiliated advisors outside of the SPC, SMP, SIP
Premium, and Connection services. The guarantee is only available
to current clients. Refunds will only be applied to the account
charged and will be credited within approximately four weeks of a
valid request. No other charges or expenses and no market losses
will be refunded. Other restrictions may apply. Schwab reserves
the right to change or terminate the guarantee at any time.
Access to Electronic Services may be limited or unavailable during
periods of peak demand, market volatility, systems upgrade,
maintenance, or for other reasons.