Real Strategies for Today’s Retirement—a Schwab Panel Discussion

About This Event

A panel of Schwab’s planning, equity, and fixed income experts and specialists discuss the potential impact of today’s market environment on your portfolio, offer fresh perspectives that go beyond retirement planning basics, and share strategies on how to build a portfolio that can help you generate income when you retire.¹

Moderated by Patrick Luby
Managing Director, Fixed Income Market Managers,
Charles Schwab & Co., Inc.

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Managing Director, Fixed Income Market Managers,
Charles Schwab & Co., Inc.

As managing director of Charles Schwab’s Fixed Income Market Managers team, Patrick leads the effort to educate Financial Consultants, clients, and prospective clients about fixed income investing and the resources available at Schwab.

Patrick has in-depth experience in the municipal bond market, including 10 years as a trader. Prior to joining Schwab, Patrick spent more than two decades at UBS, where he served as a municipal bond national sales manager and, most recently, as a senior manager in the firm’s transactional wealth management businesses, guiding the education and marketing strategies for the equity, structured products, and fixed income offerings.

Patrick has also worked in the municipal bond market at J.C. Bradford & Co. and at Howard, Weil, Labouisse, Friedrichs. He began his career at PaineWebber.

©2013 Charles Schwab & Co., Inc. (“Schwab”). All rights reserved. Member SIPC.

With panel members:

James Murphy, CFP^®
Managing Director, Portfolio Consulting, Schwab Private Client Investment Advisory,
Charles Schwab & Co., Inc.

John Wightkin, CFA
Director of Equity Research Applications, Schwab Equity Ratings^®, Schwab Center for Financial Research, Charles Schwab & Co., Inc.

Robert Williams
Director of Income Planning, Schwab Center for Financial Research,
Charles Schwab & Co., Inc.

Seeking Income Opportunities in a Low Rate Environment

About This Event

Schwab’s Fixed Income Specialists discuss potential risks and rewards of different ways to generate income from an investment portfolio in a low-interest-rate environment, including bonds, preferred securities, Real Estate Investment Trusts (REITs), and dividend-paying stocks.²

Presented by Brian Perry, CFA
Market Director, Fixed Income–Southern California Region,
Charles Schwab & Co., Inc.

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Close Brian Perry, CFA
Market Director, Fixed Income–Southern California Region,
Charles Schwab & Co., Inc.

As market director of fixed income overseeing the Southern California region, Brian educates Financial Consultants, clients, and prospective clients about fixed income investing and the resources available at Schwab.

A 15-year fixed income veteran, Brian previously worked as a portfolio manager and strategist at Chandler Asset Management, where he helped manage more than $6 billion in assets for individual and institutional clients. He also worked as a fixed income trader at several regional banks and as a senior fixed income analyst at UBS Wealth Management, where he analyzed the fixed income markets and educated investors on the financial markets and economy. In addition, Brian has been published widely (including a personal finance book) and appeared on TV and radio.

Brian earned a bachelor of science degree in finance from Villanova University, a master of business administration degree in international business from National University, and a master of arts degree in international affairs from Tufts University.

©2013 Charles Schwab & Co., Inc. (“Schwab”). All rights reserved. Member SIPC.

Why Everyone Needs an Estate Plan

About This Event

Schwab’s trust and estate specialists share the fundamentals of estate planning and explain how building and maintaining a thoughtful plan can help you meet your current needs, reduce uncertainty about future distribution of assets, and make life easier for loved ones.³

Presented by:

Scott Simmons
Trust and Estate Specialist,
Charles Schwab & Co., Inc.

John Cercone, CFP^®
Financial Planner, Schwab Private Client Investment Advisory, Inc.,
Charles Schwab & Co., Inc.

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Scott Simmons
Trust and Estate Specialist, Charles Schwab & Co., Inc.

Scott has 15 years’ combined experience in the legal profession and the financial services industry focused on trust and estate planning, asset protection planning, business succession, and charitable giving strategies for high-net-worth clients.

Scott has a bachelor of business administration degree from Arkansas Tech University, a juris doctor degree from the University of Arkansas School of Law, and an LLM (master of laws) degree in taxation from the University of Denver.

John Cercone, CFP^®
Financial Planner, Schwab Private Client Investment Advisory, Inc., Charles Schwab & Co., Inc.

John has been in the financial services industry for 20 years, advising high-net-worth investors on their comprehensive planning needs. As a financial planner, he creates road maps for clients to achieve their financial goals, so they can focus on living their lives. John holds the CERTIFIED FINANCIAL PLANNER™ and Certified Wealth Strategist^® designations.

John received his bachelor of science degree in finance from the University of Arizona.

Schwab Private Client Investment Advisory, Inc. (SPCIA) is a Registered Investment Advisor and an affiliate of Charles Schwab & Co., Inc.

©2013 Charles Schwab & Co., Inc. (“Schwab”). All rights reserved. Member SIPC.

Getting Retirement Ready

About This Event

If you’re nearing retirement, this workshop can help you learn what it takes to plan a retirement that works for you. You’ll leave with tangible steps for creating a retirement budget, important information about Social Security, and smart portfolio management tips.

Funding Your Paycheck in Retirement

About This Event

At this workshop you’ll learn how to help turn your hard-earned savings into income by creating and managing an income plan built for your retirement.

Straight Talk With Liz Ann Sonders

About This Event

Liz Ann Sonders, Schwab’s Chief Investment Strategist, takes a look at what she sees on the horizon for the markets and economy in 2013. She will share her perspective on changes coming out of Washington and the impact they may have on individual investors, especially for those nearing or in retirement. This video presentation will be followed by a branch-led discussion.

Featuring Liz Ann Sonders
Senior Vice President, Chief Investment Strategist,
Charles Schwab & Co., Inc.

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Close Liz Ann Sonders
Senior Vice President, Chief Investment Strategist,
Charles Schwab & Co., Inc.

Liz Ann has a range of investment-strategy responsibilities, from market and economic analysis to investor education. She analyzes and interprets the economy and markets on behalf of Schwab’s entire client base and chairs Schwab’s Investment Strategy Council, which provides strategic asset-allocation guidance and tactical sector recommendations for investors.

Liz Ann’s commentary is featured in reports, audio and video recordings, conference calls, and webcasts. She’s a regular contributor to Schwab’s client newsletters and the keynote speaker at many of the company’s corporate and client events as well as other industry-related conferences, including events for the Financial Planning Association, the Chartered Financial Analyst Institute, Morningstar, and the Investment Management Consultants Association.

©2013 Charles Schwab & Co., Inc. (“Schwab”). All rights reserved. Member SIPC.