To achieve full participation, your retirement plan must challenge the status quo.

Today, one quarter of Americans¹—and over half of all baby boomers—are deeply concerned about having enough money to retire.² And yet this concern has not led to action. Between 1999 and 2002, participation in company retirement plans actually dropped by 10%.³

What's keeping employees from taking full advantage of retirement plans?

We believe that employees are not getting the personalized, professional guidance they need to overcome the uncertainty, conflicting priorities and inertia that hamper retirement investing.

Now, thanks to recent regulatory developments, Schwab is proud to be one of the leaders in offering a new kind of advice service that addresses these needs. This brochure will introduce you to our advice service and the many benefits it holds for your plan and your participants.

Personal Advice Services >>

1 Gallup Poll, April 2003.

2 Forrester, "Winning the Changing Financial Consumer," July 2003.

3 PLANSPONSOR magazine, June 2003.