Money Market

Schwab Treasury Obligations (SNOXX)

Objective
The fund’s goal is to seek current income consistent with stability of capital and liquidity.

Highlights
• Seeks to generate current income while maintaining liquidity.
• Typically invests in securities backed by the full faith and credit of the U.S. government.
• Available for both personal and institutional accounts.

Certificates of Deposit

Through Schwab you can benefit from one of the largest FDIC insured CD selections in the country.

Objective
The fund’s goal is to seek current income consistent with stability of capital and liquidity.

Potential Benefits
• Lock in an interest rate for the time period you choose.
• CDs can be purchased within different investment account types, including IRAs.
• FDIC coverage insures each individual bank up to $250,000 per depositor.
• Available for both personal and institutional accounts.

Potential Risks
• You may receive less than your original purchase price IF you withdraw prematurely.
• For callable CDs, the issuer can redeem, or "call", your CD from you for the full amount before it matures.

Tax-Advantaged Bond Fund

Franklin California Tax-Free Income Fund (FCAVX)

Fact Sheet | Prospectus

Objective
The fund seeks to provide investor with as high a level of income exempt from regular federal income taxes and California personal income taxes as is consistent with prudent investment management and the preservation of shareholder’s capital.

Highlights
• Seeks to generate current income while maintaining liquidity.
• Typically invests in securities backed by the full faith and credit of the U.S. government.
• Available for both personal and institutional accounts.

Potential Benefits
• Monthly income is exempt from regular Federal and California income taxes*
• Enhances portfolio diversification by complementing stock or cash equivalents.

Potential Risks
Bonds are subject to interest rate, credit, inflation and reinvestment risk, and possible loss of principal.

*For investors subject to the alternative minimum tax, a small portion of fund dividends may be taxable. Distributions of capital gains are generally taxable.