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. The standard online $0 commission does not apply to large block transactions requiring special handling, restricted stock transactions, trades placed directly on a foreign exchange, transaction-fee mutual funds, futures, or fixed income investments. Options trades will be subject to the standard $.65 per-contract fee. Service charges apply for trades placed through a broker ($25) or by automated phone ($5). Exchange process, ADR, foreign transaction fees for trades placed on the US OTC market, and Stock Borrow fees still apply. See the for full fee and commission schedules.
Multiple leg options strategies will involve multiple per-contract fees.
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 required timeframes. Schwab reserves the right to change or terminate the guarantee at any time. Go to schwab.com/satisfaction to learn what's included and how it works.
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.