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Schwab is a registered broker-dealer, and is not affiliated with any advisor(s) whose name(s) appear(s) on this Web site. Pampel & Associates, Inc. is independently owned and operated. Schwab neither endorses nor recommends any particular advisor or investment strategy. Pampel & Associates, Inc.  provides investment advisory services for your account. Schwab has agreements with Pampel & Associates, Inc.  under which Schwab provides Pampel & Associates, Inc.  with services related to your account. Schwab does not review the Pampel & Associates, Inc.  Web site, and makes no representation regarding the content of the Web site. The information contained in the Pampel & Associates, Inc.  Web site should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.

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