Take the next step to open an Individual 401(k)

Follow these instructions for establishing and contributing to a Schwab Individual 401(k) plan.

Note: To establish your plan, you will need an Employer Identification number (EIN).

Print and complete this document. Retain a copy and return the signed original to Schwab.

Adoption Agreement

This document describes and governs your account. Review and keep for your records.

Basic Plan Document

All participants must complete an application to open an account. Retain a copy and return the signed original(s) to Schwab.

Account Application

Distribute the pricing guide to all participants.

Charles Schwab Pricing Guide

Review the benefits, features and contribution eligibility of the plan. (optional)

Information Sheet

Return your signed and completed
Adoption Agreement and Account Application(s) to one of the addresses below:

Charles Schwab & Co., Inc
P.O. Box 628291
Orlando, FL 32862-8291

Charles Schwab & Co., Inc
P.O. Box 52114
Phoenix, AZ 85072-2114

This form describes the plan benefits and eligibility requirements. Fill in the information and provide a photocopy of the completed document to each participant. Do not return this document to Schwab.

Plan Summary

All participants, including the business owner, must complete this form to indicate the elective deferral amount to have withheld from compensation. Retain the original completed copy for your records and provide a photocopy to plan participants. Do not return this document to Schwab.

Elective Deferral Agreement

By Mail: Send one check made payable to: CS&Co., Inc., FBO “Your Company Name” along with a letter listing the exact amount to be deposited per account number and the plan year for which you are contributing. Be sure your check total matches the total of participant contributions. Mail your check to one of the addresses listed in Step 2, above.

Use this form to record contributions to your employee (aka participant) – including the business owner – accounts.

Contribution Transmittal Form

If you need help with your account or additional information, please call us at 866-855-6637 or visit the Schwab branch nearest you

(1207-9031)

Need help?

Call 800-435-4000 with SEP-IRA questions.