Based on Nobel Prize-winning portfolio theory, the advice your participants receive is generated by GuidedChoice™, an independent investment adviser.¹

About GuidedChoice advice.
GuidedChoice is a licensed, independent investment adviser that generates the advice provided to your retirement plan participants. The firm was co-founded by Harry Markowitz, Ph.D., who was awarded the Nobel Prize for his work in developing Modern Portfolio Theory.² This theory is a sophisticated investment decision approach that is widely used as the foundation for asset allocation principles used by institutional investors. It is the basis for the advice participants receive.

Specific to your plan.
Because plan-level data (including plan set-up rules such as employee contribution limits, employer match, company stock availability and investment choices) are provided to GuidedChoice, the advice participants receive is specific to their plan as well as their individual account.

Consistent across all channels.
At the heart of our advice service is the GuidedSavings™ tool developed by GuidedChoice. This sophisticated, yet easy-to-use tool is available to your participants on the web and used by the Schwab Advice Services Representatives who assist them. It provides advice that is consistent regardless of the channel used to access advice.

Using the GuidedSavings Tool >>

1 The GuidedChoice service and its investment advice are 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. ("CS&Co.") or Schwab Retirement Plan Services, Inc. ("SRPS"). The GuidedChoice service is available to participants enrolled in plans that use the recordkeeping and related services of SRPS. Availability is subject to regulatory requirements. Plan sponsors must elect to make the GuidedChoice service available. Certain types of plans and plan provisions may limit availablity of advice services. 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. These entities are affiliates of each other and are wholly owned subsidiaries of The Charles Schwab Corporation.

2 GuidedChoice Nobel Prize-winning investment methodologies are designed and developed by Harry M. Markowitz, Ph.D., Nobel Laureate for Modern Portfolio Theory, www.guidedchoice.com.