Schwab Private Client™ Made for you.

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?

It starts with you. And stays that way.

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.

More than a single advisor.

You

Your Financial

Consultant

Your Portfolio

Consultant

Your Associate Portfolio

Consultant

Financial Planning

Specialists

Options Specialists

Fixed Income

Specialists

You have a dedicated team.

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.

It’s not just about investments.

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.

Ongoing Advice

Your team proactively monitors your portfolio and periodically suggests adjustments based on your evolving needs and current market conditions.

Planning

He or she considers the particulars of your situation, including retirement income planning, estate planning, insurance, your tax status, and more.

Construction

With appropriate strategies in place and your approval, your Portfolio Consultant constructs a diversified portfolio that’s aligned with your goals.

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.

More than a diversified portfolio.

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.

Diversification strategies do not ensure a profit and do not protect against loss in declining markets. Data as of August 2014.

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

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.

You’re not just involved.

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.

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. Not a “one-

size-fits-all” account.

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’s Schwab accountRoth IRA

Karen’s Schwab accountsRoth IRA Inherited IRA

Dan and Karen’s Schwab accountsBrokerage Global Charitable Trust

Their external accounts401(k)s Fixed Annuities Small Business Accounts

Dan and Karen

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 1-800-435-8101 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.

A commitment to your future.

The Schwab Accountability Guarantee™

* See next page for important information regarding 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.*

*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 1-800-435-4000. 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.

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