A unique view on the 401(k).

Your employees deserve more than one-size-fits-all retirement savings and investment advice. Through your plan, you can make personalized advice available to your employees and provide access to a wide range of investment options, including ETFs.

Build the fund lineup you want.

Choose a fund lineup from a broad array of fund families, including exchange-traded funds, collective investment trusts, target-date funds, and the Schwab Bank Savings capital preservation option.1 To give your participants even more flexibility that may provide access to more investment choices beyond a preselected investment lineup, add an industry-leading self-directed brokerage account option.2


Help participants work toward their retirement savings goals and stay on track.

With a managed account service, participants get access to personalized savings and investment recommendations from an independent registered investment advisor.3 And, for a fee, they can receive ongoing professional management of their retirement plan account.


Help maximize impact with flexible design options.

Along with implementing plan features like automatic enrollment or savings increases, you could help more participants get access to personalized advice by using a third-party managed account service as your plan's qualified default investment alternative (QDIA). At your direction, participants can be moved from your previous QDIA to the managed account service through a full or partial plan reset. Another option is a "dynamic QDIA" that shifts participants from a target date fund into the managed account service at an age chosen by the plan fiduciary, or offer managed accounts as an opt-in service.

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