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These materials have been independently produced by Wealthjar. Wealthjar is independent of, and has no affiliation with Schwab Wealth Investment Advisory, Inc. Charles Schwab & Co., Inc. or any of its affiliates (“Schwab”). Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Schwab independently verified any of the information in them. Institutional Intelligent Portfolios™ is an automated investment management service for independent advisors sponsored by SWIA and available exclusively through independent advisory firms like Wealthjar. Wealthjar, not Schwab, is responsible for advising you on the Program, including recommending and selecting a portfolio appropriate for you and managing your portfolio on a discretionary basis. Your portfolio will be held in a brokerage account at CS&Co. “Institutional Intelligent Portfolios” is a trademark of Charles Schwab & Co., Inc.