Digital Power & Human Touch

Robust digital experience? Check. A human connection when you need it? Check. A powerful way to help with financial needs? Check & Mate.

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Technology is constantly changing. We continue to invest in our goal of bringing you exceptional user experiences.

We leverage experienced digital teams to build engagement: UX and Design, Insights and Analytics, and Cyber.

Each enhancement is built for the end user and driven by consumer trends.

Individualized digital and human support can help alleviate your employees' financial worries and address their diverse financial needs.

Adrian Miguel (00:09):

Hi, my name is Adrian Miguel, and I'm the director of the Participant Advice team at Schwab Retirement Plan Services. I've had the privilege of serving the retirement saving needs of 401k participants for 21 years.

There's a connection between financial health and mental health, and we're passionate about helping participants get the financial information they need and the peace of mind that they seek. Throughout the pandemic, we experienced record volumes of participants, reaching out to us for help. During these conversations, we focus on their 401k plan account and help provide education on planning and saving for their retirement, but we also expand beyond that by taking a holistic approach to participants' entire financial wellbeing.

You often hear of 401k participants referred to as accidental investors. We provide access to education and various tools and resources so that they can learn more about debt, emergency savings, health savings accounts, or HSAs, insurance, and much more. Our approach is simple, educate participants in a way that meets people where they are, in layman's terms they can understand, so that they can make more informed decisions and feel more confident about their financial futures. Our ultimate goal is to help address participants' worries and concerns about retirement and make sure they can take action towards reaching their financial goals.
 
Video Transcript

Heck & Yeah

Adrian Miguel (00:09):

Hi, my name is Adrian Miguel, and I'm the director of the Participant Advice team at Schwab Retirement Plan Services. I've had the privilege of serving the retirement saving needs of 401k participants for 21 years.

There's a connection between financial health and mental health, and we're passionate about helping participants get the financial information they need and the peace of mind that they seek. Throughout the pandemic, we experienced record volumes of participants, reaching out to us for help. During these conversations, we focus on their 401k plan account and help provide education on planning and saving for their retirement, but we also expand beyond that by taking a holistic approach to participants' entire financial wellbeing.

You often hear of 401k participants referred to as accidental investors. We provide access to education and various tools and resources so that they can learn more about debt, emergency savings, health savings accounts, or HSAs, insurance, and much more. Our approach is simple, educate participants in a way that meets people where they are, in layman's terms they can understand, so that they can make more informed decisions and feel more confident about their financial futures. Our ultimate goal is to help address participants' worries and concerns about retirement and make sure they can take action towards reaching their financial goals.
 

"There's a connection between financial health and mental health, and we're passionate about helping participants get the financial information they need and the peace of mind that they seek."

– Adrian Miguel

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Schwab Retirement Plan Services, Inc. created this communication for retirement plan sponsors and retirement plan consultants, advisors, and other retirement plan service providers and fiduciaries only. Schwab Retirement Plan Services, Inc. is not a fiduciary to retirement plans or participants and only provides recordkeeping and related services.
"We" and "our" refer to Schwab Retirement Plan Services, Inc. throughout this web page, unless otherwise noted. "Schwab" refers to Charles Schwab & Co., Inc.

©2024 Schwab Retirement Plan Services, Inc. All rights reserved.

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Investment and Insurance Products Are: Not FDIC Insured • Not Insured by Any Federal Government Agency • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or any of its Affiliates • Subject to Investment Risks, Including Possible Loss of Principal Amount Invested

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 Brokerage Services (DBS), 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 provides a full range of securities brokerage, banking, money management and financial advisory services to individual investors and independent investment advisors as well as provides services to retirement and other benefit plans and participants. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (Member SIPC, sipc.org), and affiliates offer a complete range of investment services and products including an extensive selection of mutual funds; financial planning and investment advice. Its banking subsidiaries, Charles Schwab Bank, SSB and Charles Schwab Premier Bank, SSB (Members FDIC and an Equal Housing Lenders), provide banking and lending services and products; Charles Schwab Trust Bank (Member FDIC), provides trust, custody, and deposit products and services. Its recordkeeping subsidiary, Schwab Retirement Plan Services, Inc., provides recordkeeping and related services. What we share here to help support you, your employees, your plan, and your participants represents the broad range of products and services available through The Charles Schwab Corporation and its operating subsidiaries. This includes access to brokerage, banking, trust, and recordkeeping services to help respond to needs that may exist within or beyond your retirement plan.

The Charles Schwab Corporation provides services to retirement and other benefit plans and participants through its separate but affiliated companies and subsidiaries: Charles Schwab Trust Bank, Member FDIC, and Charles Schwab & Co., Inc., Member SIPC. Trust, custody, and deposit products and services are offered by Charles Schwab Trust Bank. Brokerage products and services are offered by Charles Schwab & Co., Inc. Schwab Retirement Technologies, Inc. ("Schwab RT") is engaged in developing and licensing proprietary retirement plan recordkeeping systems to independent third-party administrators.

© 2025 The Charles Schwab Corporation. All rights reserved. (0522-225N)