Schwab Private Client. Made for you.

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1 Schwab Private Client Made for you.

2 It starts with you. And stays that way. Welcome to Schwab Private Client, the proactive approach to wealth management you deserve. At its core is a dedicated team that collaborates with you to help you achieve your financial goals now and as they evolve in the future. Your team creates, monitors, and adjusts a sophisticated portfolio that s tailored just for you. You stay informed, and you always stay in control. It s your money, after all. Shouldn t it be managed on your terms?

3 More than a single advisor. An entire team. Your dedicated team stays focused on your financial goals and how best to attain them. Your Financial Consultant collaborates with you to help clarify and evaluate your long-term goals and provide big picture guidance. Your Portfolio Consultant offers detailed analysis and guidance on available strategies that fit your specific needs, constructs your portfolio, and provides ongoing advice. He or she is your conduit to specialists in areas like fixed income, options, financial planning, and estate planning who weigh in with additional expertise as needed. Your Associate Portfolio Consultant swiftly handles all of your service needs, including performance reporting, trading, and more.

4 You have a dedicated team. You Your Financial Consultant Your Portfolio Consultant Your Associate Portfolio Consultant Fixed Income Specialists Options Specialists Financial Planning Specialists

5 It s not just about investments. It s about your evolving life. Schwab Private Client is structured so that your portfolio receives the personalized attention it deserves. It s a continuing collaboration between you and your team.

6 It s ongoing wealth management. Analysis Your Portfolio Consultant collaborates with you to assess your current portfolio, and evaluate whether you re on track to meet your long- and short-term goals. Planning He or she considers the particulars of your situation, including retirement income planning, estate planning, insurance, your tax status, and more. Ongoing Advice Your team proactively monitors your portfolio and periodically suggests adjustments based on your evolving needs and current market conditions. Construction With appropriate strategies in place and your approval, your Portfolio Consultant constructs a diversified portfolio that s aligned with your goals.

7 More than a diversified portfolio. A remarkably sophisticated one. Today s markets are dynamic, and our modern approach to portfolio construction helps you stay current. Leveraging insights from the Schwab Center for Financial Research, our approach offers a mix of traditional and nontraditional asset classes consisting of a wide variety of investments, including stocks, bonds, mutual funds, managed accounts, ETFs, and more to help you manage the balance of risk and returns. Your team will help you choose an asset allocation with the optimal blend of growth and income, depending on your risk tolerance, financial goals, and circumstances. And they ll work with you collaboratively to assess your allocation as market conditions or your needs change.

8 A disciplined, thorough approach. A strategy to fit your needs. The investment strategies outlined below are just two of the many options available. Your team will help you select from a variety of investment models to ensure your asset allocation fits your investment goals and risk tolerance. Total Return Moderate Strategy With Taxable Bonds For those who primarily want a combination of growth and income. US Large Stocks US Small Stocks US Listed REITs Int l Large Stocks Int l Small Stocks Int l Emg Mkt Stocks Int l Listed REITs US Inter. Treasuries US Inv Grade Corp US Gov-Related US Securitized US TIPS US High Yield Corp Int l Dev Ctry Bonds Int l Emg Mkt Bonds Agriculture Gold/Precious Metals Industrial Metals Energy Cash Investments Income Moderate Strategy With Taxable Bonds For those who primarily want current income. US Large Stocks Mstr Limited Ptrship US Listed REITs Int l Large Stocks Int l Listed REITs US Inv Grade Corp US Gov-Related US Securitized US TIPS US High Yield Corp Preferred Stocks Bank Loan/FRNs Int l Dev Ctry Bonds Int l Emg Mkt Bonds Cash Investments Diversification strategies do not ensure a profit and do not protect against loss in declining markets. Data as of August 2014.

9 You re not just involved. You re in control. With Schwab Private Client, you always stay completely in control. After weighing your team s recommendations and rationale, you make all final investing decisions.

10 You have total access and the final say. You stay completely informed with ongoing updates, too: Regular meetings with your dedicated team Quarterly Schwab Performance Reports, which monitor your portfolio s performance and compare it to industry benchmarks A monthly Schwab Premium Statement, which summarizes all of your Schwab holdings and activity Count on 24/7 assistance, plus web and mobile access, as well.

11 Not a onesize-fits-all account. Tailored for your personal situation. Unlike many rigid or narrowly focused managed solutions, Schwab Private Client is designed to consider every aspect of your overall financial picture.

12 Completely customized just for you. A holistic plan for Dan and Karen Dan and Karen are in their early 60s and their financial life is somewhat complex. They hope to leave a legacy for their son John and their grandchildren, and they re particularly concerned with: Retirement income planning Tax planning Insurance planning Charitable giving Estate planning After analyzing Dan and Karen s situation holistically, including their outside holdings, their team will recommend a tailored portfolio aligned with their goals. Dan and Karen s Schwab accounts Brokerage Global Charitable Trust Dan s Schwab account Roth IRA Karen s Schwab accounts Roth IRA Inherited IRA Dan and Karen Their external accounts 401(k)s Fixed Annuities Small Business Accounts

13 A commitment to your future. It s about moving forward, together. We d love to talk with you about Schwab Private Client and how this holistic, proactive approach to wealth management can help you achieve your goals. Call your Financial Consultant, visit schwab.com/spc, or call us at today. With a $500,000 minimum and fees starting at 0.90% for equities and ETFs and 0.70% for fixed income investments, Schwab Private Client delivers an exceptional degree of customization for a competitive price. The Schwab Accountability Guarantee At Schwab, we believe every investor deserves accountability. If for any reason you re not happy with Schwab Private Client, The Schwab Accountability Guarantee means we ll refund your program fee from the previous quarter and work with you to make things right.* * See next page for important information regarding The Schwab Accountability Guarantee.

14 *The Schwab Accountability Guarantee : The guarantee applies to the following investment advisory services ( Participating Services ) and associated program fees: ( i) Schwab Private Client ( SPC ); ( ii) Schwab Managed Portfolios ( SMP ); and ( iii) Managed Account Connection ( Connection ) for accounts that are managed by investment advisors affiliated with Charles Schwab & Co., Inc. ( Schwab ): Windhaven Investment Management, Inc. ( Windhaven ), ThomasPartners, Inc. ( ThomasPartners ), and Charles Schwab Investment Management, Inc. ( CSIM ). The guarantee does not apply to ( i) accounts managed by investment advisors that are not affiliated with Schwab; ( ii) accounts managed by Schwab-affiliated advisors outside of the SPC, Connection, and SMP programs; or ( iii) any other product or service made available by Schwab or its affiliates. SPC, SMP, and Connection are wrap-fee programs sponsored by Schwab. If at any time or for any reason you are not completely satisfied with a Participating Service, at your request Schwab will refund the associated program fee for the previous calendar quarter applicable to the Participating Service. The program fee is a percentage of the eligible assets in your Participating Service account(s). You will receive a credit to your Participating Service account(s) within approximately four weeks of your request. No other fees, commissions, charges, expenses, or market losses will be refunded. If Schwab is unable to address your concerns after consulting with you and refunding your program fee, Schwab will work with you to help meet your financial goals. Schwab reserves the right to change this guarantee in the future after providing notice. For additional information regarding associated program fees, please see the disclosure brochure for the Participating Service, available at the time you enroll or upon your request. Investors should carefully consider information contained in the prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling Schwab at Please read the prospectus carefully before investing. The Portfolio Consultant, Associate Portfolio Consultant, and other representatives making investment recommendations in your Schwab Private Client accounts are employees of Schwab Private Client Investment Advisory, Inc. Please read the Schwab Private Client and the Schwab Private Client Investment Advisory, Inc. Disclosure Brochures for important information and disclosures about this service. Portfolio management is provided by Schwab Private Client Investment Advisory, Inc., a Registered Investment Advisor and an affiliate of Charles Schwab & Co., Inc. Asset Allocation and Diversification strategies do not ensure a profit and do not protect against losses in declining markets. Your account may be subject to a lower fee schedule than described above if you or someone in your household (e.g., generally a person with the same last name living at the same address) opened a Schwab Private Client account before January 1, 2014, and has continuously maintained at least one Schwab Private Client account since the time of that initial Schwab Private Client enrollment. Charles Schwab & Co., Inc., Member SIPC, receives remuneration from fund companies participating in the Mutual Fund OneSource service for recordkeeping and shareholder services and other administrative services. Schwab also may receive remuneration from transaction-fee fund companies for certain administrative services Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC ( ) MKT34739BROFB-07 (02/15)