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Planning for retirement on your own can feel like performing a musical number without any sheet music. The good news? Your plan includes professional advice to help you find your rhythm.

Get personalized recommendations to help answer some of your biggest retirement questions:

How much should I save?
Where should I invest my money?
Am I on track to retire when I want to?
When should I take Social Security?

Turn up the volume on your confidence

Not sure whether professional advice is right for you? Year after year, we've seen that help from a financial professional increases people's confidence in making 401(k) investment decisions.¹

Check the level on your savings

The Retirement Savings Calculator can help you see where you stand now.

Questions? We're here for you

If you have questions about the tools and support your plan offers, give us a call.

Participant Services
800-724-7526
Monday–Friday
7 a.m.–11 p.m. ET

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Check out our online events to learn how your emotions influence your financial decisions—and how you can ignore the noise and make smarter investing choices.

1. 2020 401(k) Participant Study, conducted by Logica Research for Schwab Retirement Plan Services, Inc., July 2020. This online survey of U.S. 401(k) participants was conducted by Logica Research for Schwab Retirement Plan Services, Inc. Logica Research is neither affiliated with nor employed by Schwab Retirement Plan Services, Inc. The survey is based on 1,000 interviews and has a 3% margin of error at the 95% confidence level. Survey respondents were actively employed by companies with at least 25 employees, were 401(k) plan participants, and were 25–70 years old. Survey respondents were not asked to indicate whether they had 401(k) accounts with Schwab Retirement Plan Services, Inc. All data is self-reported by study participants and is not verified or validated. Respondents participated in the study between May 28 and June 11, 2020. Detailed results can be found at aboutschwab.com/research.

At the direction of the Plan Sponsor or Plan Administrator, Participants may have access to advice services that can provide Participants with a retirement savings and investment strategy for their Plan account, furnished by an independent registered investment advisor ("Advisor"). Recommendations are formulated and provided by the Advisor through an advice and managed accounts program, and can be accessed through workplace.schwab.com. The Advisor will select investment options appropriate for each Participant's strategy from the investment options available under the Plan as selected by the Plan Sponsor, Plan Administrator or other Plan fiduciary. 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. Advice Consultants are registered representatives of CS&Co.; not employees of the Advisor, who may facilitate Participant access to the Advisor's service, but do not provide investment advice or recommendations regarding the Advisor's services. 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 Advisor will establish the Participant's savings and investment recommendations. For plans that do not include a salary deferral feature, this service does not include a savings recommendation within the plan; references to savings strategy, savings recommendation, and annual savings adjustments are not applicable to these plans. Diversification and asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market. There is no guarantee a Participant's savings and investment strategy will provide adequate income at or through their retirement. Projections and other information regarding the likelihood of various retirement income and/or investment outcomes are hypothetical in nature, do not reflect actual results, and are not guarantees of future results. Results may vary with each use and over time. Advice services may include nondiscretionary investment advice or discretionary investment advice and asset management through a managed account service. There is no additional cost for the nondiscretionary investment advice provided, beyond the expenses imposed by the underlying investments and the standard fees paid to SRPS, CS&Co., and their affiliates for recordkeeping and related services. However, for Participants using the managed account service, an additional asset-based fee may be charged based on the Participant's account balance for the discretionary management of their Plan account. For a complete list of investment options available under the Plan, as well as information pertaining to fees and expenses applicable to the Plan account, log in to workplace.schwab.com to find the most recent annual Fee and Investment Notice and any subsequent Change Notices under "History & Statements." More information about fees and compensation that SRPS, CS&Co., and their affiliates receive are detailed in the Charles Schwab & Co., Inc. Advice Services Disclosure Brochures (Form ADV Part 2A). Participants should carefully consider information contained in the materials furnished at their employer's direction regarding the services provided by SRPS and its affiliates and the Advisor, including information regarding compensation, affiliations, and potential conflicts.

Schwab Retirement Plan Services, Inc. has provided this communication to you as part of the recordkeeping services it provides to the Plan.