Uplifting music plays throughout.
A man is wearing a graduation cap and gown.
Female Narrator: Your career is off to a great start, but life choices keep coming.
The man's clothes change from the cap and gown to gray jacket and white shirt. The scene zooms out to see two thought bubbles appear over his shoulders.
Narrator: Here's one of your first—Pay off student debt or save for retirement?
One bubble has the man depositing cash into a large graduation cap, representing student debt. The other thought bubble has the man depositing cash into a large piggy bank, representing a retirement plan.
Narrator: Fortunately, you can choose an employer who won't make you choose between the two.
The words "Student Loan Retirement Match" appear above the man, and he smiles.
Narrator: The Student Loan Retirement Match program, available through participating employers, can help.
The man pulls out his phone and calls a woman, a new potential employer. He then walks to the right and meets the woman in person—they shake hands.
Narrator: When you choose an employer who offers this benefit, they not only match contributions you make towards your retirement plan but may also count your monthly student loan payment amounts as contributions to the plan—so you can take full advantage of your company's match.
The camera pans away from the man and woman shaking hands, and we see a table with a graduation cap and piggy bank, representing student loan debt and a retirement plan respectively.
Narrator: Here's how it works: Make your student loan payments. Contribute what you can to your retirement plan.
We see the man's hand reach in from left of frame and drop cash into the graduation cap. Then, we see him drop some funds into the retirement plan piggy bank. Right after, the woman's hand reaches in from right of frame and drops cash into the piggy bank, to represent matching.
Narrator: Your employer may make matching contributions based on what you paid into your retirement plan and what you pay toward your student loan debt—subject to plan limits.
The man comes back into frame, holding a clipboard and pen. He crosses something off a list on his clipboard.
Narrator: You shouldn't have to choose between paying down student debt and saving for retirement. Cross one choice off your list.
The man looks away from the camera, towards a city skyline as the sun shines brightly above it, representing a strong financial future.
Narrator: Ask about benefits that support your financial well-being.
Music stops.
The scene fades to white, and the sign turns into the Charles Schwab logo. Brand music plays.
Your employer may have a maximum match rate as well as other restrictions. Employer contributions are paid on a pre-tax basis and may be taxable at withdrawal.
Schwab Retirement Plan Services, Inc. provides recordkeeping and related services with respect to retirement plans and has provided this communication to your as part of the recordkeeping services it provides to the Plan.
©2025 Schwab Retirement Plan Services, Inc. All rights reserved.
MWD (0925-RFAA) ELC128842-00 (09/25)