The Atlantic - October 2019

*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

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deposit at Schwab Bank. Some cash alternatives outside of the program pay a higher yield.

Wealth Management refers to a number of different products and services offered through various subsidiaries of The Charles Schwab Corporation. See Schwab.com/wealth.
For Schwab Intelligent Portfolios Premium™, there is an initial planning fee of $300 upon enrollment and a $30 per month charged on a quarterly basis as detailed in the Schwab
Intelligent Portfolios Solutions™ disclosure brochures, which include important information, pricing and disclosures. Investors in Schwab Intelligent Portfolios Premium (“SIP Premium”)
do pay direct and indirect costs. These include ETF operating expenses which are the management and other fees the underlying ETFs charge all shareholders. The portfolios include
a cash allocation to a deposit account at Schwab Bank. Our affiliated bank earns income on the deposits, and earns more the larger the cash allocation is. The lower the interest rate
Schwab Bank pays on the cash, the lower the yield. Some cash alternatives outside of Schwab Intelligent Portfolios Premium pay a higher yield. Deposits held at Charles Schwab Bank
are protected by FDIC insurance up to allowable limits per depositor, per account ownership category. SIP Premium invests in Schwab ETFs. A Schwab affiliate, Charles Schwab In-
vestment Management, receives management fees on those ETFs. SIP Premium also invests in third party ETFs. Schwab receives compensation from some of those ETFs for providing
shareholder services, and also from market centers where ETF trade orders are routed for execution. Fees and expenses will lower performance, and investors should consider all
program requirements and costs before investing. Expenses and their impact on performance, conflicts of interest, and compensation that Schwab and its affiliates receive are detailed
in the Schwab Intelligent Portfolios Solutions disclosure brochures. Schwab Intelligent Portfolios Premium™ is made available through Charles Schwab & Co. Inc. (“Schwab”), a dually
registered investment advisor and broker dealer. Schwab and Schwab Bank are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Brokerage
products, including the Schwab One brokerage account, are offered by Schwab, Inc., Member SIPC. Deposit and lending products are offered by Charles Schwab Bank, Member FDIC
and an Equal Housing Lender. ©2019 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. (0519-90CM) ADP107125-

Brokerage Products: Not FDIC Insured • No Bank Guarantee • May Lose Value

Wealth Management at Charles Schwab
PLANNING | PORTFOLIO MANAGEMENT | INCOME STRATEGIES | BANKING

Visit Schwab.com/PortfoliosPremium to learn more

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