The Vanguard Target Retirement Funds are ideal for anyone who doesn’t have the time to manage their investments. These portfolios take the guesswork out of investing. All you have to do is pick the Vanguard Target Retirement Fund with the date that most closely matches the year in which you expect to retire (or expect to start spending your retirement savings).

For example, if you expect to retire in 2028, you could pick the Vanguard Target Retirement 2030 Fund. The rest of the investment decisions are made for you by an investment professional.

The Core Funds are designed for those who want to select, monitor and manage their own portfolio. The Core Funds offer investments across the major asset classes. Think of each one as a building block. By combining a variety of the Core Funds, you can create a complete, diversified portfolio. Remember, with the Core Funds, it’s up to you to determine your investment mix and manage it over time so it’s always consistent with your time horizon and savings goals.

Online Advice – If you prefer to manage your own account, this web-based service lets you get personalized retirement income forecasts*, risk assessments, and specific savings and fund recommendations at no additional cost to you.

Professional Management – If you prefer to have your account managed for you, you can work one-on-one by phone with a professional and receive:

• Personalized advice and forecasts*
• Specific savings and fund recommendations
• Ongoing account management support
• Quarterly progress reports

There is an additional fee based on your account balance if you enroll in the Professional Management program.

* IMPORTANT: Forecasts, projected outcomes or other information generated regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. In addition, results may vary each time a forecast is generated for you.

This is a brokerage option for experienced investors offered through Charles Schwab* by your Plan. It affords more flexibility in choosing your own investments by allowing you to invest in more than 8,700 different mutual funds from approximately 600 fund families (subject to any Plan restrictions). There is a $500 minimum balance to open an account and a $50 annual fee to maintain your account. In addition, applicable brokerage commissions and fees will be assessed for each SDBA transaction.

For more information on the SDBA, including fees and an application, go to Plan Information > Forms on the Plan website. Read all information carefully before investing.

* Schwab Personal Choice Retirement Account^® (PCRA) is offered through Charles Schwab & Co., Inc. (Member SIPC), the registered broker/dealer, which also provides other brokerage and custody services to its customers. ©2025 Charles Schwab & Co., Inc., (Member SIPC). All rights reserved.

Charles Schwab & Co., Inc. and Voya Financial are not affiliated and are not responsible for the products and services provided by the other.