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At Charles Schwab, we believe every investor deserves a financial plan as unique as they are. Between saving for retirement, kids’ college educations, large purchases, and home improvement, it’s easy to feel pulled in many directions. A comprehensive financial plan takes into account your entire financial picture and can act as a map for how you might go about creating and reaching your financial goals. Having a plan can help you be more confident that you are prepared to weather the ups and downs along the way.

A CFP^® professional guides you every step of the way. From helping you complete the planning tool to providing you with a customized holistic financial plan, a CFP^® professional understands the complexities of financial planning and outlines the steps to take in pursuit of your financial goals.

• Minimum amount to start your plan: $15,000.
• You may open multiple accounts within your plan to meet different financial goals with a $5,000 minimum per account.
• Pay a 0.24% advisory fee on the assets in your account, excluding cash.
• Commissions: None charged.
• Just as if you'd invested on your own, you will pay the operating expenses on the ETFs in your portfolio, which includes Schwab ETFs^TM. We believe cash is a key component of an investment portfolio. Based on your risk profile, a portion of your portfolio is placed in an FDIC-insured cash deposit at Schwab Bank. Some cash alternatives outside of the program pay a higher yield. See more information below. 
   

Your equity awards are a component of the planning process. Any unvested/unexercised equity awards will be automatically loaded into the online planning tool and will be addressed in your conversation with the Planning Consultant.

• After logging in to your account, schedule your appointment with a CERTIFIED FINANCIAL PLANNER™ professional.
• Before your appointment, explore the interactive planning tool and begin entering your goals.
• Meet with your CERTIFIED FINANCIAL PLANNER™ professional to review your financial plan and discuss your options.

• Minimum amount to start your plan: $15,000.
• You may open multiple accounts within your plan to meet different financial goals with a $5,000 minimum per account.
• Pay a 0.24% advisory fee on the assets in your account, excluding cash.
• Commissions: None charged.
• Just as if you’d invested on your own, you will pay the operating expenses on the ETFs in your portfolio, which includes Schwab ETFs™. We believe cash is a key component of an investment portfolio. Based on your risk profile, a portion of your portfolio is placed in an FDIC-insured cash deposit at Schwab Bank. Some cash alternatives outside of the program pay a higher yield.  See more information below.

To enroll in Schwab Intelligent Portfolios Premium™, you need to have a minimum of $15,000, though these assets may be held across multiple Schwab Intelligent Portfolios Premium™ accounts. The minimum for each account is $5,000. If the balance across all your Schwab Intelligent Portfolios Premium™ accounts falls below the $15,000 minimum, you could lose access to both your plan and a CERTIFIED FINANCIAL PLANNER™ professional.

A CFP^® professional will meet with you to discuss what you’ve entered into the planning tool, address any questions you may have, provide personalized guidance, and create a detailed Action Plan outlining the steps to take in pursuit of your financial goals.

While many may call themselves “financial planners,” a CFP^® professional has successfully completed the CFP Board’s rigorous and ongoing certification requirements. A CFP^® professional understands the complexities of financial planning and makes recommendations in your best interest.

After you log in, you can use the online scheduler to set up a phone or video chat appointment. If you need to reschedule, simply click the “reschedule” link in either the confirmation email or on your online dashboard, and reschedule your appointment for a more convenient time.

While we can’t guarantee you’ll meet with the same CFP^® professional each time, rest assured every member of the team is a CERTIFIED FINANCIAL PLANNER™ professional. We’ll have all of your information at the ready, making it easy to pick up where you left off in your last appointment.

Whether you meet by phone or video chat, the CFP^® professional will review the information you entered in the online planning tool, discuss your personal situation, and create a customized Action Plan for you to follow in pursuit of your goals. Ongoing, a CFP^® professional will be available to you for annual check-ins or when your goals or needs change.

The initial meeting lasts about an hour. Check-ins last about 30 minutes.

A CFP^® professional will contact you by phone at the scheduled date and time. Once you’re logged in to Schwab Intelligent Portfolios Premium™, a “Join Meeting” button will appear in the Appointment Details section 15 minutes before the scheduled meeting. The button will change to “Meet Now” 5 minutes prior to the scheduled start time. You may then access the virtual meeting room. Since the CFP^® professional will contact you by phone, you do not need to connect audio in the video conference session.

We recommend involving your partner or spouse, if applicable. Also, have the documents you used to complete the online planning tool on hand for discussion during the appointment. If you connect to your financial accounts automatically, it may still be helpful to have your documents on hand. Review the checklist so you’re prepared to make the most of your appointment. You’ll need:

• Investment account statements
• Recent paychecks
• Recent tax returns
• Employee retirement account information
• If applicable: Social Security statements
• Annual statement or policy summary on life insurance: type, premium, coverage expiration dates
• Basic estate planning information such as will, trust, etc.

We recommend meeting with a CFP^® professional at least once a year. However, you can schedule an appointment whenever you need financial advice or would like to update your plan.

At Charles Schwab, we believe every investor deserves a financial plan as unique as they are. Between saving for retirement, kids’ college educations, large purchases, and home improvement, it’s easy to feel pulled in many directions. A comprehensive financial plan takes into account your entire financial picture and can act as a map for how you might go about creating and reaching your financial goals. Having a plan can help you be more confident that you are prepared to weather the ups and downs along the way.

A comprehensive financial plan is like having a road map to help you reach your financial goals. It takes into account all aspects of your financial life—income, expenses, investments, college savings, retirement planning, and more. Schwab Intelligent Portfolios Premium™ is unique in that it combines personal guidance from a CERTIFIED FINANCIAL PLANNER™ professional with our online planning tool.

Simply open the secure online planning tool and begin by identifying your goals. As you move through the process, you can play with different scenarios to help you see the potential impacts of your choices. You can do it all at your own pace, saving what you’ve entered and coming back when you’re ready. For the best experience, we recommend that you:

• Involve your partner or spouse, if applicable.
• Use a laptop or desktop computer.
• Have access to all your financial accounts (or you can connect to your existing accounts automatically).

You can get started with the planning tool in as little as 15 minutes. The more thorough and accurate the information you provide, the better a CERTIFIED FINANCIAL PLANNER™ professional can advise you.

Yes, the information you enter in the online planning tool is automatically saved as you go, so you can easily pick up where you left off at any time. Your information will be saved for 60 days from when you start using the online planning tool.

Yes, you can easily and securely link to your existing accounts at over 11,000 financial institutions. The types of accounts you can connect to include brokerage accounts, retirement accounts, 529 accounts, annuities, checking and savings accounts, credit card accounts, and loans.

You can open any of these types of accounts:

• Brokerage: Individual, Joint Tenant with Rights of Survivorship, Tenants in Common, Community Property, Custodial
• Revocable Living Trust: Single Trustee, Two Trustees
• Retirement: Roth IRA, Traditional IRA, Rollover IRA, SEP IRA, SIMPLE IRA, Inherited IRA

Yes. A CERTIFIED FINANCIAL PLANNER™ professional can help you with this during your appointment and can help you consider all your options.

Schwab Intelligent Portfolios^® uses an advanced algorithm and the professional insight of the Charles Schwab Investment Advisory, Inc. (CSIA) team. You’ll get a diversified portfolio composed of exchange-traded funds (ETFs), all handpicked by CSIA. Portfolios include up to 20 asset classes across stocks, fixed income, real estate, and commodities, as well as an FDIC-insured cash component—so they’re truly diversified. After the ETFs are chosen, the experts at CSIA monitor their performance on an ongoing basis.

CSIA and Charles Schwab & Co., Inc. are subsidiaries of The Charles Schwab Corporation. CSIA dedicates an entire team of experienced analysts to continually researching and evolving CSIA’s approach to creating asset allocations designed to improve outcomes for individual investors. CSIA provides portfolio management services for Schwab Intelligent Portfolios^®.

An exchange-traded fund (ETF) is a portfolio of securities, such as stocks or bonds, that trades intraday on an exchange. Generally a low-cost way to build a diversified portfolio, an ETF can provide diversified exposure to a particular segment of the market, to a specific industry, or to a particular geographical region.

Rebalancing is the act of periodically buying or selling assets to restore your portfolio to its original target allocation range. Every portfolio has a target asset allocation—a combination of stocks, bonds, commodities, and cash determined by stated goals, risk tolerance, and time horizon. Over time, contributions, withdrawals, gains, and losses cause a portfolio to stray from the original target and become unbalanced. Schwab Intelligent Portfolios^®.automatically rebalances accounts by using an advanced algorithm that adjusts your account when an asset class shifts above or below its target range.

Tax-loss harvesting is a strategy that seeks to postpone capital gains by offsetting them with capital losses. Your portfolio(s) will be monitored for tax-loss harvesting opportunities—examining not only a loss itself, but also your cost basis for tax purposes, as well as the amount of time you’ve held the position.

Tax‐loss harvesting is available for clients with invested assets of $50,000 or more in their account. Clients must choose to activate this feature. The tax‐loss harvesting feature that is available with Schwab Intelligent Portfolios Solutions™ is subject to significant limitations, which are described on the Schwab Intelligent Portfolios Solutions website and mobile application (collectively, the “Website”) as well as in the Schwab Intelligent Portfolios Solutions disclosure brochures (the “Brochures”), and the IRS website at http://www.irs.gov/. You should consider whether to activate the tax‐loss harvesting feature based on your particular circumstances and the potential impact tax‐loss harvesting may have on your tax situation. You should read the tax‐loss harvesting disclosures on the Website and in the Brochures before choosing the tax‐loss harvesting feature. Neither the tax‐loss harvesting strategy nor any discussion herein is intended as tax advice, and neither Charles Schwab & Co., Inc. nor its affiliates, including but not limited to Charles Schwab Investment Advisory, Inc., represent that any particular tax consequences will be obtained.

The Sweep Program is a feature that allows for the cash allocation in your Schwab Intelligent Portfolios account to earn interest by being “swept” into an FDIC-insured deposit account at Charles Schwab Bank. Cash earns interest at a rate that is determined by taking the greater of (i) the rate determined by reference to a third-party index for retail deposits at the $100,000 level based on a survey as calculated by RateWatch; or (ii) the rate paid on cash balances of $1 million or more in Schwab’s bank sweep program for brokerage accounts. See Current Interest Rates to see the rate applied to Cash Balances. You can view the cash allocation on your portfolio dashboard.

You can withdraw cash at any time by logging in to your account and requesting a transfer to another Schwab brokerage or Schwab bank account or to another financial institution. Funds will be available immediately unless the amount that you request be withdrawn exceeds the cash allocation in your portfolio. If the withdrawal requires the sale of ETFs to provide the requested cash, the availability of the funds will be delayed until the sale transactions have settled (ETFs have a two-day settlement, not including the day of sale). After your withdrawal, your portfolio will rebalance as needed to reach its target asset allocation. If the balance across all your Schwab Intelligent Portfolios Premium™ accounts falls below the $15,000 minimum, you could lose access to your financial plan and to a CERTIFIED FINANCIAL PLANNER™ professional.

We believe every investor deserves to work with a firm they can count on. At Schwab, our commitment to you is backed by a satisfaction guarantee. If for any reason you’re not completely satisfied, we’ll refund your fee and work with you to make things right. You won’t find that kind of promise everywhere. But you will find it here.

If you are not completely satisfied for any reason, at your request, Charles Schwab & Co., Inc. (“Schwab”), Charles Schwab Bank ("Schwab Bank"), or another Schwab affiliate, as applicable, will refund any eligible fee related to your concern within the timeframes described below. Two kinds of “fees” are eligible for this guarantee: (i) Program Fees for the Schwab Private Client (“SPC”), Schwab Managed Portfolios™ (“SMP”), Schwab Intelligent Portfolios Premium (“SIP Premium”), and Managed Account Connection® (“Connection”) investment advisory services sponsored by Schwab (together, the “Participating Services”); and (ii) commissions and fees listed in the Charles Schwab Pricing Guide for Individual Investors (“Account Fees”) or the Charles Schwab Bank Pricing Guide. Program Fee refund requests must be received no later than the next calendar quarter after the Fee was charged. Account Fee refund requests must be received within one year of the date that the Fee was charged.

For more information about Program Fees, please see the disclosure brochure for the Participating Service, made available at enrollment or any time at your request. The Connection service includes only accounts managed by Charles Schwab Investment Management, Inc., an affiliate of Schwab. The guarantee does not cover Program Fees for accounts managed by investment advisors who are not affiliated with Schwab or managed by Schwab‐affiliated advisors outside of the SPC, SMP, SIP Premium and Connection services.

The guarantee is only available to current clients. Refunds will only be applied to the account charged and will be credited within approximately four weeks of a valid request. No other charges or expenses and no market losses will be refunded. Other restrictions may apply. Schwab reserves the right to change or terminate the guarantee at any time.

We take your security and privacy seriously. When you interact with our website, we use a number of safeguards to protect your information. We continuously monitor our systems, and we work with government agencies, law enforcement, and other financial services firms to address potential threats. Our sites also use multilayered protections beyond login name and password before granting access to an account. Learn more about our security and privacy measures.