One size doesn't fit all.

A full spectrum of retirement plan solutions

Companies come in all shapes and sizes. We can help you meet your clients' needs with 401(k), 403(b), 457, defined benefit, employee stock ownership, nonqualified, and profit-sharing plans, among others.

Work with us in the way that works for you. Based on your needs, we can help you determine which approach is best. We'll be there to answer questions and provide guidance and support.

Plans and Accounts

Comprehensive 401(k) Plan Services
Small Business Retirement Accounts
Independent Plan Providers and Schwab

Products

Schwab Retirement Advisor Portfolio

Schwab Personal Choice Retirement Account® (PCRA)5

With a self-directed brokerage account, sophisticated investors can actively manage their own investments, beyond their plan's core mutual funds. PCRA gives your clients access to thousands of additional investment choices; one of the largest selections of no-load, no-transaction-fee mutual funds6 available; and commission-free7 Schwab Exchange-Traded Funds™ in a self-directed brokerage account offering. It's a great option for clients using one of the Comprehensive Plan Services or Pair with Independent Plan Providers solutions.


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Talk to us about your retirement plan business needs.

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CC2034987 (0120-904R)

Investors should carefully consider information contained in the prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling Schwab at 800-435-4000. Please read the prospectus carefully before investing.

Investment returns will fluctuate and are subject to market volatility, so that an investor's shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Shares are bought and sold at market price, which may be higher or lower than the net asset value (NAV).

1. Independent recordkeepers and investment advisors are not owned by, affiliated with, or supervised by Schwab.

2. Schwab Bank Savings is a money market deposit account (MMDA) at Charles Schwab Trust Bank ("Schwab Trust Bank").

3. A money market deposit account (MMDA) is a type of savings deposit. Funds deposited in the MMDA at Charles Schwab Trust Bank are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 when aggregated with all other deposits held by a Plan Participant in the same capacity at Trust Bank. Participants are responsible for monitoring the total amount of deposits that they hold with Trust Bank, in order to determine the extent of deposit insurance coverage available to them on their deposits, including the MMDA.

Unlike money market deposit accounts, money market funds are neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.

4. Charles Schwab & Co., Inc. receives remuneration from third-party ETF companies participating in Schwab ETF OneSource for recordkeeping, shareholder services, and other administrative services, including program development and maintenance.

Exchange-traded funds are subject to risks similar to those of stocks. Investment returns will fluctuate and are subject to market volatility, so that an investor's shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Diversification does not eliminate the risk of market loss.

Schwab ETFs are distributed by SEI Investments Distribution Co. (SIDCO). SIDCO is not affiliated with Schwab. The information contained herein does not constitute an endorsement, investment recommendation, solicitation to buy, or investment advice by Schwab. Schwab has no discretionary authority, responsibility, or control with respect to such matters. Schwab is not an investment advisor or fiduciary to your employer's retirement plan, does not recommend any particular mutual fund or collective trust fund or category of mutual funds or collective trust funds, is not responsible for your choice of mutual funds and collective investment funds, and may receive remuneration for recordkeeping and shareholder services and other administrative services. Schwab does not guarantee the suitability or potential value of any particular investment or information source.

5. 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.

6. Trades in no-load mutual funds available through Schwab Mutual Fund OneSource® (including Schwab Funds®), as well as certain other funds, are available without transaction fees when placed 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.

Schwab's short-term redemption fee will be charged on redemption of funds (except certain Schwab Funds) bought through Schwab's Mutual Fund OneSource program (and certain other funds) with no transaction fee and held for 90 days or less. Schwab reserves the right to exempt certain funds from this fee, including Schwab Funds, which may charge a separate redemption fee, and funds that accommodate short-term trading.

Charles Schwab & Co., Inc., Member SIPC, receives remuneration from fund companies participating in the Mutual Fund OneSource service for recordkeeping and shareholder services and other administrative services. Schwab also may receive remuneration from transaction-fee-fund companies for certain administrative services.

7. Conditions apply: Schwab ETFs™ are available without commissions when placed online in a Schwab account. Service charges apply for trade orders placed through a broker ($25) or by automated phone ($5). An exchange-processing fee applies to sell transactions. Schwab reserves the right to change the ETFs we make available without commissions. All ETFs are subject to management fees and expenses. Please see the Charles Schwab Pricing Guide for Retirement Plan Accounts for additional information.