When your retirement plan is with Schwab, participants have easy access to investing recommendations—including a toll-free line to Schwab Advice Services Representatives.¹

Participants have a choice.
While online retirement planning tools have been available for a number of years, low usage rates throughout the industry suggest that many participants just aren't comfortable with tools alone. They want live interaction. With Schwab, they have both— convenient web tools plus personal support.

Advice by phone.
Participants can speak as often as they wish to Schwab Advice Services Representatives who can communicate and help them understand GuidedChoice™ recommendations, as well as implement the advice once they've made a decision. When a life event occurs or they feel the need to re-evaluate their financial situation, they can simply pick up the phone. And they can even schedule phone appointments to speak with the same representative each time.

Advice on the web.
Participants comfortable with the web have an easy-to-use tool that allows them to receive advice in minutes. To make it as simple as possible, the tool pre-fills plan-related data and accepts other information the participant may want considered. Then, a single click is all it takes to implement the advice.

Advice in person.
One-on-one consultations are available on-site when circumstances permit. Times can be scheduled in advance, or reps may be available on a walk-in basis when regular education sessions are scheduled.

Guidance from professionals.

Schwab Advice Services Representatives¹ are available to your employees by toll-free phone weekdays from 8 a.m. to 10 p.m. ET. They are licensed investment professionals who hold—at a minimum—the following credentials:

• The Series 7 General Securities Representative license
• The Series 63 and 66 Uniform Securities Agent and Registered Investment Adviser licenses

They also have or are in the process of obtaining one of the following designations: CERTIFIED FINANCIAL PLANNER™ (CFP®),⁴ Chartered Financial Analyst® (CFA®), Accredited Asset Management Specialist^SM (AAMS®) or Chartered Mutual Fund Counselor (CMFC®).

Doing what's right for employees—helping them pursue their financial goals—can have substantial bottom-line benefits.

About GuidedChoice >>

1 The Schwab Advice Services Representatives are employees of CS&Co. and not of GuidedChoice. CS&Co., its Advice Services Representatives and SRPS do not supervise, make recommendations with respect to, or take responsibility for monitoring the advice provided to participants by GuidedChoice and do not provide financial planning services to participants.

2 On average, contribution rates rose 30 - 110% when there was no defined benefit plan offered, and a 30 - 40% savings rate increase occurred when advice was offered in plans that also had a defined benefit plan. Source: GuidedChoice.

3 Based on current participation rates. Source: GuidedChoice.

4 CERTIFIED FINANCIAL PLANNER™ and CFP® certification marks are owned by Certified Financial Planner Board of Standards Inc. This mark is awarded to individuals who successfully complete CFP Board's initial and ongoing certification requirements.