Schwab is here to help you navigate your retirement options.

If you have a retirement account from a previous employer, here are several options to consider when planning for the future.

With your retirement plan, you can:

Roll over your prior plan assets into an IRA.

Roll over your prior plan assets to a new employer-sponsored retirement plan, if the option is available.

Leave your assets in your former employer’s plan, if your former employer permits it.

Take a cash distribution, which may result in taxes and a 10% penalty.

The benefits of rolling over to a Schwab Traditional IRA or Roth IRA:

• The option to consolidate your retirement accounts all in one place.
• Possible opportunity for more investment choices that meet your goals and risk tolerance.
• Potential tax-advantaged growth for your retirement savings.

Investment and Insurance Products: Not a Deposit • Not FDIC Insured • Not Insured By Any Federal Government Agency • No Bank Guarantee • May Lose Value

IMPORTANT INFORMATION

Investing involves risk, including loss of principal.

A rollover of retirement plan assets to an IRA is not your only option. Carefully consider all of your available options which may include but not be limited to keeping your assets in your former employer's plan, rolling over assets to a new employer's plan, or taking a cash distribution (taxes and possible withdrawal penalties may apply). Prior to a decision, be sure to understand the benefits and limitations of your available options and consider factors such as differences in investment related expenses, plan or account fees, available investment options, distribution options, legal and creditor protections, the availability of loan provisions, tax treatment, and other concerns specific to your individual circumstances.

If you have any questions or concerns, PLEASE DO NOT REPLY TO THIS EMAIL. Instead, visit schwab.com/contactus to identify a fast and simple way to get in touch. To update your address using a secure channel, please log in to your account.

NOTICE: All emails sent to or from the Charles Schwab corporate email system may be retained, monitored, and/or reviewed by Schwab personnel.

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.