Automatic Digital Investing

Automatic Digital Investing is a convenient, easy to use online investing program. Our service is designed to support you in achieving your financial goals by helping you establish a goal, choosing a portfolio that best matches the level of risk you are comfortable taking, and then managing your portfolio for you to help you stay on track to meeting your goal. This service also allows you to personalize your portfolio by which investment styles you prefer, such as investing to save for retirement, or investing in a socially responsible way.

You can log into your account at any time to check your progress. We also have a team of consultants equipped to answer any questions you may have along the way.

Yes – you can choose a Traditional or Roth IRA when deciding which type of Personal Portfolio you’d like. If you have maxed out your IRA contribution limits or would prefer to use another type of account, we can assist you with this as well.

Savings accounts are FDIC-insured up to $250,000 and therefore present minimal risk. While investment accounts, including Automatic Digital Investing, do involve a greater risk of loss that users should be aware of, they also have greater growth potential than a bank savings account.

In order to open an account, you must be a resident of the United States, be over the age of 18, and have a valid Social Security number.

Automatic Digital Investing offers customers with three account options:

• Roth IRA
• Traditional IRA
• Individual taxable accounts

A mutual fund is an investment vehicle with a precise investment objective. It is comprised of securities, including bonds, stocks, and money market instruments. Mutual Funds have a net asset value, or NAV, which is calculated once at the end of each day.

An ETF is similar to a Mutual Fund, as it also has a specific investment objective and is comprised of securities, including stocks, bonds, money market instruments, etc. However, unlike mutual funds, ETFs do not have an NAV that is calculated once at the end of each day. Rather, ETFs are traded like common stock on a stock exchange and therefore fluctuate in price throughout the day.

Passive Investment – in this investing style, our investment managers invest in funds that track the market.

To check your goal progress, log into your account at Schwab

To make any changes, simply log into your account at Schwab and make your desired changes.

We use the time frame you provide to ensure the portfolio you choose is appropriate for your goal. Likewise, the risk level you are most comfortable with, whether it be conservative or aggressive, can help determine an appropriate portfolio.

You can check on your goal progress by logging into your account online at Schwab. We will also notify you via email when important documents are available, such as tax forms.

Your opening deposit for this account must be at least $5,000. Here are the ways you can fund your new account:

• Link your bank account by providing your bank routing and account numbers.
• For more options, please call us to discuss.

You have several options for making deposits into your account after your initial deposit:

• Transfer money from your bank account..
• For more options, please call us to discuss.

Simply visit Schwab and follow the prompts as directed.