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Year-end financial checklist. The end of the year is a great time to take charge of your finances, no matter what the markets are doing. Our year-end financial checklist gives you smart ways to make sure you’re on track. Don’t miss out on tax advantages this year—check off as many items as you can before December 31, 2009.    Manage your investments for potential tax savings It’s smart to think ahead—especially if your investments have fallen behind. If you decide to sell losing assets before year-end, you can use those capital losses to offset taxable capital gains. For more tax-smart ideas, visit our tax management center (http://www.schwab.com/tax).    Review your portfolio Major market swings can cause your investment allocations to shift. By rebalancing, you can restore your target allocation, manage investment risk, and keep your portfolio in good health. Log in to your account to try our portfolio checkup tool (http://www.schwab.com/portfoliocheckup) or call us at 800-790-3810 to schedule a no-cost investment consultation.    Maximize your retirement plan contributions If you haven’t reached this year’s contribution limit for your retirement plan, kick the funding up a notch for the rest of the year and plan to maintain that contribution in 2010. The sooner you maximize your contributions, the more time your investments have to benefit from potential long-term growth.    Make the most of your philanthropy Planning to make a contribution to a charitable organization? Donate before December 31 so you can write it off on this year’s taxes. For a tax-smart approach to giving, a donor-advised fund like Schwab Charitable™ (http://www.schwab.com/charitable) can give you immediate tax benefits, tax-free potential growth, and a possible way to avoid capital gains taxes.1    Get smart with college savings plans You can take advantage of potential tax benefits if you open or contribute to your kids’ or grandkids’ college savings plan, such as a 529 plan, before the year ends. Open a Schwab 529 (http://www.schwab.com/529) account here.    Spend your flexible spending account If you’ve covered the basics but still have some remaining funds, check your plan’s list of eligible expenses for last-minute ideas. Make sure you use the money that’s left in your account by the end of the year, or you’ll lose it. It’s also enrollment time for 2010 FSAs, so consider whether you’ve spent all your funds in the past and make any necessary adjustments.

1A donor’s ability to claim itemized deductions is subject to a variety of limitations depending on the donor’s specific tax situation. Consult your tax advisor for more information. Before investing, carefully consider the plan’s investment objectives, risks, charges and expenses. This information and more about the plans can be found in the Schwab 529 Guide and Participation Agreement available from Charles Schwab & Co., Inc., and should be read carefully before investing. You may request a Schwab 529 Guide and Participation Agreement by calling 800-435-4000 or going to schwab.com/529. If you are not a Kansas taxpayer, consider before investing whether your or the beneficiary’s home state offers a 529 plan that provides its taxpayers with state tax and other benefits not available through this plan. Tax and financial aid treatment of 529 plans is subject to change. As with any investment, it is possible to lose money by investing in this plan. The Schwab 529 College Savings Plan is available through Charles Schwab & Co., Inc., and is managed by American Century Investment Management, Inc. The plan was created by the Kansas State Legislature under the provisions of Section 529 of the Internal Revenue Code and is administered by Kansas State Treasurer Dennis McKinney. Notice: Accounts established under the Schwab 529 Plan and their earnings are neither insured nor guaranteed by the State of Kansas, the Kansas State Treasurer, American Century Investments or Charles Schwab & Co., Inc. Accounts established under the Schwab 529 Plan are domiciled at American Century Investments and not at Schwab. Schwab Charitable is the name used for the combined programs and services of Schwab Charitable Fund™ (“the Fund”), an independent nonprofit organization, and Schwab Charitable Trust Services, a limited liability company owned by Schwab Charitable Fund. The Fund has entered into service agreements with certain affiliates of The Charles Schwab Corporation. This information is not intended to be a substitute for specific individualized tax, legal or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends consultation with a qualified tax advisor, CPA, financial planner or investment manager. ©2009 Charles Schwab & Co., Inc. All rights reserved. Member SIPC (http://www.sipc.org). CS08931-05 (11/09-11932)  ELC53063 (12/09)