Planning your financial future. - a25.g.akamai.neta25.g.akamai.net/f/25/24883/5s/charlessch5... · Planning your financial future. ... Wealth management refers to products and services

See the difference your Schwab Financial Consultant can make.

Planning your financial future.

Planning at Schwab is for people like you. People who work hard and stay focused on the future. People who take charge of their lives, their goals, and how their wealth is managed.

At Schwab, what matters most to us is what matters most to you—your aspirations and ambitions. That’s why every Schwab Financial Consultant is guided by one planning purpose: to help you achieve your financial goals.

Planning with one purpose: to help you to achieve your goals.

It starts witha conversation.

Ask tough questions.

What effect could inflation have on your assets? Can you help protect

yourself against market volatility? Can your money last as long as you do?

With realistic answers, and appropriate financial modeling, your Schwab

Financial Consultant will work with you to develop a plan with practical

action steps.

A plan with solid answers.

The plan your Schwab Financial Consultant prepares for you can take

into account possible future conditions, such as the potential impact of

inflation, your future spending needs, taxes, and health care, as well as

other considerations. He or she can explore “what if” scenarios and the

effect they might have on your plan, including potential market volatility.

Personal attention—at no additional cost.

Planning at Schwab is offered at no additional cost to you, as part of your

relationship with your Schwab Financial Consultant. That includes guiding

your investment choices by preparing a detailed analysis of your portfolio

to see if your investments actually support the goals of your plan.

Specialized guidance when you want it.

If you’d like more specialized investment guidance, your Financial

Consultant can refer you to experienced Schwab professionals to

discuss topics such as estate and charitable planning, fixed income,

and international investing—at no additional charge.

It’s your plan.Choose whatmatters to you.

You know that saving to meet important goals takes planning and

discipline. Following a thoughtful plan—especially for large goals—

can mean the difference between meeting and missing the mark.

Take a look at all that a Schwab Financial Consultant can help you with.

Review the many aspects of your financial life, including retirement goals, education funding, and insurance needs, to help you and your Financial Consultant understand what’s most important to you.

We’ll discuss:

• Asset allocation

• Insurance coverage

• Education funding

• Debt management

• Retirement planning

• Estate preservation

You’ll get:

• A better idea of your total net worth

• A clear understanding of your financial priorities

• A disciplined plan of action that can help you focus on those priorities

Financialpriorities.

Develop a deeper understanding of your retirement savings needs and find out if you’re on track to maintain the standard of living you want.

We’ll discuss:

• Retirement age and projected years in retirement

• Retirement savings, investments, and annuities

• Legacy goals

• Social Security options

• Annual retirement spending goals

• Tax rates

You’ll get:

• The ability to test how long your money will last given a variety of future market conditions

• A view into the potential impact of inflation on your savings before and during retirement

• Strategies that may help reduce any retirement funding shortfalls

Saving forretirement.

Careful planning will help you feel confident that your portfolio will last throughout your lifetime.

We’ll discuss:

• Estimated annual cash flow

• Social Security

• The lifestyle you want in retirement

• How inflation will affect your spending goals

• Estimated taxes due

• Estate and legacy goals

You’ll get:

• A better understanding of your essential and discretionary expenses in retirement

• The ability to compare how much you can spend in retirement given different scenarios

• Insight into how your investments, Social Security, and other income sources can fund your retirement

• An understanding of how a range of future market conditions may impact your retirement plan

Living inretirement.

Understand the future costs of your children’s education and determine your progress toward meeting your goals. See the impact of monthly contributions up to and through graduation.

We’ll discuss:

• Education costs

• Number of years in school

• Amount to fund after scholarships and loans

• Current resources and annual contributions

• Tax status of educational assets

You’ll get:

• Access to projected costs for more than 100 colleges and universities— both public and private

• A better idea of whether you’re on course to meet all of your education objectives

• Specific strategies that may help overcome shortfalls

Educationfunding.

Plan for other major financial goals, such as buying a vacation home, renovating your house, or travel. Estimate how much you’ll need in the future and get suggestions for staying on track to meet your goals.

We’ll discuss:

• Estimated future costs of goals

• Estimated years until funds are needed

• Current amount available for goals

• Monthly contribution toward goals

You’ll get:

• A view of how your current savings and investments may grow to help fund your goals

• An understanding of the impact monthly contributions may have on your goals

• Thoughtful strategies that can help you fund what you want

Additionalsaving goals.

Consider whether refinancing may be a way to lower your monthly payment or pay off your loan sooner.

We’ll discuss:

• The pros and cons around refinancing an existing loan

• How long you’ve had your current loan

• Your original loan term and monthly payment

• The remaining balance on your loan

You’ll get:

• Ideas on how refinancing could impact your monthly payments

• An estimate of how long it can take to recoup the costs of refinancing in different scenarios

• Estimated savings on interest over the life of a loan using a variety of model projections

Mortgagerefinancing.

Get a clearer picture of your current debt and some sensible options for managing it. Know your debt-to-income ratio.

We’ll discuss:

• Loan balances

• Current debt-servicing schedule

• Current income

• Current interest rates

You’ll get:

• Sensible debt-reduction options that may be available to you

• Strategies that may help you manage your debt

• A projected debt-free date for a variety of borrowing scenarios

Debtmanagement.

No matter where you are with your planning, a Schwab

Financial Consultant is ready to assist you. He or she is

committed to helping you make more informed financial

decisions with fact-based guidance and professional

financial insight.

Successful Planners3X

Average total net worth

Non- Planners

In a study of Americans over 50, successful planners—those who stuck with their plans—achieved an average total net worth three times higher than those who didn’t plan.

SUCCESSFUL PLANNING CAN

HELP PROPEL NET WORTH

About this chart. Original data was based on 1,269 observations and came from a special retirement planning module for the 2004 Health and Retirement Study targeting Americans over the age of 50. Source: Lusardi, Annamaria and Mitchell, Olivia S., “Financial Literacy and Planning: Implications for Retirement Wellbeing,” May 2011, page 29. ©2011 by Annamaria Lusardi and Olivia S. Mitchell. All rights reserved.

Take the next step.

Let’s discuss your plan.

Talk to your Schwab Financial Consultant or call us at 1-877-336-5388 today.

Wealth Management at Charles SchwabPlanning I Portfolio Management I Income Strategies I Banking

Ask tough planning questions. Expect solid answers.

1. What is my net worth?

2. Is my investing strategy in line with my goals?

3. Can my money last as long as I do?

4. How could inflation affect my expenses?

5. Am I prepared for market volatility?

6. Should I consider future health care costs?

7. How do I decide whether to refinance a loan?

8. How can I prepare for future education expenses?

9. Can my investments help me save for a second home?

10. How can I plan for passing on assets to my heirs?

There are certain eligibility requirements for working with a dedicated Financial Consultant.

Wealth management refers to products and services available through the operating subsidiaries of The Charles Schwab Corporation of which there are important differences including, but not limited to, the type of advice and assistance provided, fees charged, and the rights and obligations of the parties. It is important to understand the differences when determining which products and/or services to select.

Forecasts and model results are inherently limited and should not be relied upon as an indicator of future events.

The Charles Schwab Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (member SIPC) offers investment services and products, including Schwab brokerage accounts. Its banking subsidiary, Charles Schwab Bank (member FDIC and an Equal Housing Lender), provides deposit and lending services and products.

Charles Schwab Bank and Charles Schwab & Co., Inc. are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Charles Schwab & Co., Inc. does not solicit, offer, endorse, negotiate, or originate any mortgage loan products and is neither a licensed mortgage broker nor a licensed mortgage lender.

Home lending is offered and provided by Quicken Loans Inc., an Equal Housing Lender. NMLS# 3030. Quicken Loans Inc. is not affiliated with The Charles Schwab Corporation; Charles Schwab & Co., Inc.; or Charles Schwab Bank. Deposit and other lending products are offered by Charles Schwab Bank, Member FDIC and an Equal Housing Lender.

Charles Schwab & Co., Inc., 211 Main Street, San Francisco, CA 94105

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