Dear Investor,

I'm Chuck Schwab, and I believe that when you look for someone you can trust with your hard-earned money, your kids' money or your grandkids' money, it all comes down to this: who can you talk to? And who will actually listen?

My entire company is built on the idea of listening to people first. Then talking.

I recognized early on that what you, the investor, want most is someone you can relate to; a straight-talking voice who can guide you, advise you and support you. And, at the heart of it all, a fair price.

Today at Charles Schwab, we're carrying that vision forward to every level of investor. From the mutual fund enthusiast to the active trader. From college planning to retirement planning. We're ready to talk to you about your needs and the most practical ways to meet them.

Since the day I started this company, I've made it our business to help people do better. To be better investors. That's what we continue to hear from people. And that's what we'll continue to do.

And to get things started, I invite you to "Talk to Chuck." Talk to any one of our Schwab representatives as if you were talking to me.

"Talk to Chuck" is our promise to you that when you pick up the phone, go online or simply walk into a Schwab branch, you're speaking to someone who does business the way I do. Someone who carries the standard of ethics on which I built this company. Trust. Integrity. Professionalism.

So start talking. We're listening.