Personal Defined Benefit

Open an account with $0.
Account service fees: Variable; account set-up fees start at $750.
Contribution limit: Based on several factors, including current age, earnings and planned retirement age.
Who’s it for? Self-employed individuals, or business owners with less than five employees, who can contribute at least $80,000 annually.

Open the account that lets you:

See a detailed, customized funding proposal to help you decide if the plan is right for you.
Save for retirement quickly by making substantial tax-deductible contributions for yourself and any eligible employees.
Define a preferred retirement benefit amount; your required annual contribution amount is based on this goal and takes into account your current age, earnings and planned retirement age.
Contribute for all eligible employees in any year that the plan is funded— employers must contribute to all eligible employee accounts; employees may not contribute.
Enjoy expert recordkeeping and plan servicing.

Because it’s a Schwab account, participants can:

Decide how contributions are invested by using our industry-recognized research to choose stocks; bonds; CDs; no-load, no-transaction-fee mutual funds and more; or by selecting a single portfolio solution.
Get investment guidance from a Schwab investment professional.
Take advantage of Schwab’s retirement planning tools and resources.

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

Charles Schwab & Co., Inc. receives remuneration from fund companies participating in the Mutual Fund OneSource® service. Schwab’s short-term redemption fee of $49.95 will be charged on redemptions of funds purchased through Schwab’s Mutual Fund OneSource service (and certain other funds with no transaction fees) and held for 90 days or less. For each of these trade orders placed through a broker, a $25 service charge applies. Funds are also subject to management fees and expenses.

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