Illustration of a couple looking through binoculars at a mountain. A path leads from them to the top of the mountain symbolizing their investment journey.

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If you would like more information about the Participant Experience, please reach out to your Schwab representative.

Communications are for illustrative purposes only, do not reflect all possible messages a participant could receive, and are subject to change.

Employer contributions are paid on a pre-tax basis and may be taxable at withdrawal.

At the Plan Sponsor’s direction, participants may have access to advice services that can provide a retirement savings and investment strategy for their Plan account, furnished by an independent registered investment advisor (“Advisor”). The Advisor is not affiliated with or an agent of Schwab Retirement Plan Services, Inc. (SRPS); Charles Schwab & Co., Inc. (CS&Co.), a federally registered investment advisor; or their affiliates. Neither SRPS, CS&Co., nor their affiliates supervise, make recommendations with respect to, or take responsibility for monitoring the advice services provided to the participants by the Advisor. The term “personalized advice” refers to personal participant data such as age, salary, and plan account balance, which will form the basis by which the independent third-party advisor will establish the participant’s investment strategy.

Schwab Retirement Plan Services, Inc. created this communication for retirement plan sponsors and retirement plan consultants, advisors, and other retirement plan service providers and fiduciaries only. Schwab Retirement Plan Services, Inc. is not a fiduciary to retirement plans or participants and only provides recordkeeping and related services.