"I want to be involved in my retirement investing decisions, but like specific recommendations from an independent source I can feel good about and trust. I like knowing that these recommendations are specifically formulated for me and my goals. I like to get guidance on fund selection, how to divide my savings amongst those funds and how much money I should be saving to have the retirement lifestyle I want."

If you want to be involved in managing your retirement plan, but would like to receive personalized investment recommendations, Schwab Personal Retirement Planning, provided through GuidedChoice™ may be right for you. It includes specific savings recommendations on how much to save, which funds to select from within your company retirement plan and how much to invest in each of those funds. All at no additional cost.

Although advice is only provided on your company retirement account, all of your investments can be considered in creating the personal retirement planning recommendations. Your account will be automatically rebalanced each year to stay on track with that advice - unless you opt out of this managed account service.

Schwab Personal Retirement Planning™ investment advice is formulated and provided by GuidedChoice Asset Management, Inc. (GuidedChoice). GuidedChoice is not affiliated with, nor is it an employee or agent of Charles Schwab & Co., Inc. Member SIPC. (CS&Co.) or Schwab Retirement Plan Services, Inc. (SRPS). Participant access to the GuidedChoice service is facilitated through SRPS's affiliate, CS&Co. Neither CS&Co. nor SRPS supervises, makes recommendations with respect to, or takes responsibility for monitoring the advice provided to participants by GuidedChoice.

At no extra charge or additional charge means that there is no cost for this service outside of the standard fees paid to Schwab Retirement Plan Services and Charles Schwab & Co., Inc. for recordkeeping and related services, including trustee and custodial fees paid to Charles Schwab Trust Company, a division of Charles Schwab Bank.

Schwab Personal Retirement Planning™ investment advice is formulated and provided by GuidedChoice Asset Management, Inc. (GuidedChoice). GuidedChoice is not affiliated with, nor is it an employee or agent of Charles Schwab & Co., Inc. Member SIPC. (CS&Co.) or Schwab Retirement Plan Services, Inc. (SRPS). Participant access to the GuidedChoice service is facilitated through SRPS's affiliate, CS&Co. Neither CS&Co. nor SRPS supervises, makes recommendations with respect to, or takes responsibility for monitoring the advice provided to participants by GuidedChoice.

At no extra charge or additional charge means that there is no cost for this service outside of the standard fees paid to Schwab Retirement Plan Services and Charles Schwab & Co., Inc. for recordkeeping and related services, including trustee and custodial fees paid to Charles Schwab Trust Company, a division of Charles Schwab Bank.