Self-directed brokerage accounts.

When it comes to retirement plans, many employees require the freedom to make their own retirement choices. They may want more options, at their own pace. Or to personalize their investments to match their unique values. 
A Schwab Personal Choice Retirement Account can open up impactful new investment possibilities for employees. 

Added to your existing retirement plan, a PCRA gives employees a brokerage account where they pick the investments. And it gives plan sponsors a powerful new way to engage employees and attract talent. 

With a PCRA, participants can research, trade, monitor and manage investments how they want to, when they want to. On their own, or with help from an independent registered investment advisor. And they'll get in-depth support from dedicated service teams. 

As the sponsor, you can seamlessly add a PCRA to your retirement plan while keeping your core investment lineup manageable. Free employees to pursue socially responsible or other values-based investments. Offer access to thousands of stocks, bonds, mutual funds and ETFs. Or keep it simple and add only the investments you want. It's all tailored to your company's needs. 

Personal Choice Retirement Accounts have been providing investment flexibility for retirement plan participants since 1994. We were the first to offer an innovative no-load, no transaction fee mutual fund marketplace. Plus there's the schwab.com website and mobile apps. Fractional share trading through Schwab Stock Slices. Access to independent registered investment advisors. Socially responsible investing options. And a customizable trading menu.

With a Schwab Personal Choice Retirement Account, you give your employees the freedom to own their tomorrow. To get started, contact your Retirement Plan Service Provider today. 

Schwab Personal Choice Retirement Account (PCRA) is offered through Charles Schwab & Co., Inc. (Member SIPC), the registered broker/dealer, which also provides other brokerage and custody services to its customers.

For participants who utilize Personal Choice Retirement Account (PCRA), the following fees and conditions may apply:

Trades in no-load mutual funds available through Mutual Funds OneSource service (including Schwab Funds), as well as certain other funds, are available without transaction fees when place through schwab.com or our automated phone channels. Schwab reserves the right to change the funds we make available without transaction fees and to reinstate fees on any funds. Funds are also subject to management fees and expenses. Charles Schwab & Co., Inc., Member SIPC, receives remuneration from fund companies for recordkeeping, shareholder services and other administrative services for shares purchased through its Mutual Fund OneSource^® service. Schwab may also receive remuneration from transaction fee fund companies for certain administrative services.

The standard electronic $0 commission does not apply to large block transactions requiring special handling, restricted stock transactions, trades placed directly on a foreign exchange, transaction-fee mutual funds, futures, or fixed income investments. Options trades will be subject to the standard $.65 per-contract fee. Service charges apply for trades placed through a broker ($25). Exchange process, ADR, foreign transaction fees for trades placed on the US OTC market, and Stock Borrow fees still apply. See the Pricing Guide for Retirement Plan and Health Savings Accounts for full fee and commission schedules.

Schwab Stock Slices™ is not intended to be investment advice or a recommendation of any stock. Investing in stocks can be volatile and involves risk including loss of principal. Investors should consider their individual circumstances prior to investing.

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