Other plans and investment options.

Add flexibility with additional plan options.

Address the specific needs your employees have by adding related options that complement the retirement plan you offer. These add-on products give you more flexibility and allow you to tailor your offering to better align with your organization.

Additional retirement plan options you can include:

Other defined contribution plans.

In addition to our 401(k) plans, we offer a range of services for other defined contribution plans, including employee stock ownership plans (ESOPs), profit-sharing plans, and money purchase plans.

Defined benefits plans.

Offering a defined benefit or cash balance plan demonstrates a deep commitment to your employees. We share that goal and understand that sponsoring one of these plan types requires significant resources and expertise. That's why we offer a full range of services and allow you to choose those services that are right for your plan. We offer recordkeeping and administration services, actuarial consulting, trust and custody services, streamlined technology, and a customized participant experience to help you deliver the features your employees expect.

Nonqualified deferred compensation plans.

Executive-level employees often have more complex financial situations and may require additional options to help them meet their retirement goals. Nonqualified deferred compensation plans may play an integral part in a total compensation package designed to attract and retain these key employees.

Additional investment options:

Self-directed brokerage accounts.

Unlock the possibilities by opening up your retirement plan to include thousands of investment choices. Schwab Personal Choice Retirement Account® (PCRA) is a self-directed brokerage account for market-savvy employees who want to select the individual investments in their portfolio.

Self-directed brokerage accounts

Schwab Funds®

Offer more than 50 diverse mutual funds, each targeting a specific investment objective and guided by a disciplined investment approach.

Laudus Funds™

Open the door for independent investment advisors and sophisticated individual investors to access the experience of some of the leading investment managers.

Schwab Exchange-Traded Funds™

Designed to be core building blocks of a diversified portfolio, offering exposure to broad market indexes at low cost.

Charles Schwab Trust Bank Collective Investment Trusts

Provide institutional investment management benefits to qualified retirement plans by using sub-advised strategies across a range of approaches, including target date, domestic and international equity, and fixed income options.

Contact Charles Schwab Trust Bank Collective Investment Trusts to learn more.

Learn more about Charles Schwab Investment Management.

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Investors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can obtain a prospectus, or if available, a summary prospectus, by visiting schwabfunds.com. Please read it carefully before investing.

Diversification and asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market. The funds are subject to market volatility and risks associated with the underlying investments. Risks include exposure to international and emerging markets, small company and sector equity securities, and fixed income securities subject to changes in inflation, interest rates, market valuations, liquidity, prepayments, and early redemption. The funds are built for investors who expect to start gradual withdrawals of fund assets on the target date to begin covering expenses in retirement. The principal value of the funds is not guaranteed at any time and will continue to fluctuate up to and after the target date.

Investment returns will fluctuate and are subject to market volatility, so that an investor's shares, when redeemed or sold, may be worth less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF.

Schwab Personal Choice Retirement Account (PCRA) is offered through Charles Schwab & Co., Inc., a registered broker-dealer that also provides other brokerage and custody services to its customers.

Charles Schwab Investment Management, Inc. (CSIM) is the investment advisor for Schwab Funds, Laudus Funds, and Schwab ETFs. Schwab Funds and Laudus Funds are distributed by Charles Schwab & Co., Inc. (Schwab), Member SIPC. Schwab ETFs are distributed by SEI Investments Distribution Co. (SIDCO). CSIM and Schwab are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation, and are not affiliated with SIDCO.

The Charles Schwab Trust Bank Collective Investment Trusts, which include the Schwab Managed Retirement Trust Funds™, Schwab Indexed Retirement Trust Funds® and Schwab Institutional Trust Funds® (each a "Trust", collectively the "Trusts" or "Collective Investment Trusts (CITs)") are collective investment trusts maintained by Charles Schwab Trust Bank (CSTB). The Trusts are available for investment only by eligible retirement plans and entities as more fully described in the Declaration of Trust.  The Trusts are not mutual funds and are not insured by FDIC or any other type of deposit insurance; are not deposits or other obligations of, and are not guaranteed by CSTB or any of its affiliates; and involve investment risks, including possible loss of principal invested. 

Charles Schwab Investment Management, Inc. is the investment advisor for Schwab Funds, Laudus Funds, and Schwab ETFs. Charles Schwab & Co., Inc.; Charles Schwab Investment Management, Inc.; and Charles Schwab Bank are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation.

Schwab Stock Plan Services provides equity compensation plan services and other financial services to corporations and employees through Charles Schwab & Co., Inc. ("Schwab"). Schwab, a registered broker-dealer, offers brokerage and custody services to its customers.

Charles Schwab Investment Management, Inc. (CSIM), the investment advisor for Schwab's proprietary funds, and Charles Schwab & Co., Inc. (Schwab), the distributor for Schwab Funds, are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation.

CC0007145 (1015-8P9A) (03/19)
Investment Products: Not FDIC-Insured • No Bank Guarantee • May Lose Value

Outcomes are not guaranteed.

Workplace Financial Services is a business enterprise which offers products and services through Schwab Retirement Plan Services, Inc.; Schwab Stock Plan Services; and Designated Brokerage Services. Schwab Retirement Plan Services, Inc., provides recordkeeping and related services with respect to retirement plans. Schwab Stock Plan Services is a division of Charles Schwab & Co., Inc. providing equity compensation plan services and brokerage solutions for corporate clients. Schwab Designated Brokerages Services, a division of Charles Schwab & Co., Inc., provides technology solutions for corporate clients with regulatory requirements to monitor employee security transactions. . Schwab Retirement Plan Services, Inc., and Charles Schwab & Co., Inc. ("Schwab", member SIPC) are separate but affiliated entities, and each is a subsidiary of The Charles Schwab Corporation.

Through its operating subsidiaries, The Charles Schwab Corporation ("Charles Schwab") provides a full range of securities brokerage, banking, money management, and financial advisory services, as well as services to retirement and other benefit plans. Charles Schwab & Co., Inc. offers investment services and products. Charles Schwab Bank, SSB (Member FDIC and an Equal Housing Lender) and Charles Schwab Trust Bank (Member FDIC) provides trust, custody, deposit, and lending products and services. Schwab Retirement Technologies, Inc. ("Schwab RT") is engaged in developing and licensing proprietary retirement plan recordkeeping systems to independent third-party administrators.

© 2023 The Charles Schwab Corporation. All rights reserved. (0522-225N)

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