Bristlecone Advisors and its employees are independent of and are not employees or agents of Charles Schwab & Co., Inc. ("Schwab"). Schwab does not prepare, or verify or endorse information distributed by Bristlecone Advisors. The Best-in-Tech Award, part of Schwab's IMPACT Awards(R) program, is not an endorsement, testimonial endorsement, recommendation or referral to Bristlecone Advisors with respect to its investment advisory and other services.