Schwab Profit Sharing Plan

Open an account with $0.
Account service fees: None (other fees apply).
Contribution limit: : Up to $46,000 for 2008 ($49,000 for 2009). Subject to limits.
Who’s it for? Small business owners who want to contribute for themselves and any eligible employees.

Open the account that lets you:

Maintain control over employee vesting and participation with flexible eligibility requirements.
Make tax-deductible contributions of up to 25% of the total compensation paid to all plan participants.
Vary your contribution amounts from year to year, or even skip making contributions in any year.
Contribute for all your 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.
Enjoy expert recordkeeping and plan servicing

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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