Disclosures

The content in this website and discussions provided at the IMPACT event are meant for general informational purposes only and are current as of the date of the discussion. The information at the event and the views expressed are not intended to provide specific financial, accounting, compliance, tax or legal advice. Refer to professionals in these fields to address your particular circumstance.

Neither the contents of this website nor discussions at the IMPACT event should be considered as a solicitation or a recommendation by Schwab or its affiliates, to buy, sell or continue to hold securities or other investments, or open an account.

Examples described are for illustrative purposes only and do not represent a guarantee of future performance or success and may not be representative of your experience. Past performance is not an indicator of future success.

Understanding inherent risks such as interest rate fluctuation, credit risk and economic conditions are important when considering an investment in real estate.

Charles Schwab & Co., Inc., receives remuneration from fund companies for recordkeeping, shareholder services, and other administrative services for shares purchased through its Mutual Fund OneSource® service. Schwab also may receive remuneration from transaction fee fund companies for certain administrative services.

International investments involve additional risks, which include differences in financial accounting standards, currency fluctuations, political instability, foreign taxes and regulations, and the potential for illiquid markets. Diversification cannot ensure a profit or eliminate the risk of investment losses.

Unconstrained investment strategies involve heightened risks and increased volatility. Factors to consider include, but are not limited to, currency fluctuations, lower liquidity, differences in security regulation, accounting standards, foreign taxation regulations, political risks, interest rates, credit quality, liquidity, early redemption and other factors.

The lack of liquidity for alternative investments is an important consideration for advisors with regard to client suitability and additional risks, including performance downside and complete loss of the investment amount. These investments include hedge funds, REITs, promissory notes, and private stock.

Apple, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android™ is a trademark of Google, Inc.

ThomasPartners, Inc. (“ThomasPartners”) is a registered investment advisor and an affiliate of Charles Schwab & Co., Inc.

Schwab Charitable is the name used for the combined programs and services of Schwab Charitable Fund, an independent nonprofit organization. Schwab Charitable Fund has entered into service agreements with certain affiliates of The Charles Schwab Corporation.

Charles Schwab Investment Management, Inc. is an affiliate of Charles Schwab & Co., Inc.; both are subsidiaries of The Charles Schwab Corporation.

Windhaven Investment Management, Inc. ("Windhaven") and Charles Schwab & Co., Inc., are separate but affiliated companies and are subsidiaries of The Charles Schwab Corporation.

Services to retirement and other benefit plans and participants as well as equity compensation plan services and other financial and retirement services to corporations and executives are provided through the separate but affiliated companies, Charles Schwab & Co., Inc. and Charles Schwab Bank. Brokerage products and services are offered by Charles Schwab & Co., Inc. Trust and custody services are provided by Charles Schwab Bank.

PortfolioCenter® is a product of Schwab Performance Technologies (SPT).

Schwab Advisor Center® is a website of Charles Schwab & Co. Inc., for the exclusive use of its independent investment advisor clients.

Schwab's Portfolio Rebalancer is provided by Advisor Software, Inc. (ASI). ASI is not affiliated with Schwab and is considered a third-party provider under the Schwab Advisor Center® website User Agreement.

Schwab Advisor Services offers custody and trading, as well as access to technology and other support services to independent investment advisors. Charles Schwab & Co., Inc. (Schwab) provides custody and trading through Schwab Advisor Services, as well as brokerage products and services. The technology and related products and services are provided by Schwab Intelligent Technologies ("SIT") and Schwab Performance Technologies ("SPT"). Charles Schwab & Co. Inc., SIT and SPT are affiliated as separate subsidiaries of The Charles Schwab Corporation, but their respective products and services are independent of each other.

Schwab OpenView MarketSquare™ is a product of SIT. Schwab OpenView MarketSquare is available exclusively to clients of Schwab Advisor Services.

Independent investment advisors are not owned, affiliated with, or supervised by Schwab.