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Modern investment advice means having better choices.

Automated investing that is a simpler, smarter way to invest

Schwab Intelligent Portfolios®

We build, monitor and automatically rebalance a portfolio of low-cost exchange traded funds. You can get help from a Schwab investment professional anytime, 24/7.

5K to start. $0 advisory fees, account service fees or commissions charged.

Personal planning and automated investing – a new approach

newSchwab Intelligent Advisory

A new way to plan for your financial goals. Our unique approach combines personal advice from a Planning Consultant, who is a CERTIFIED FINANCIAL PLANNER professional, with our powerful online planning tool.

$25K to start. No commissions charged. Fees are 0.28% of assets enrolled except cash.

Backed by Schwab's Satisfaction Guarantee

Dedicated financial advice with a personal relationship1

We offer clients the option of a high-touch relationship to help you meet your financial goals. A Schwab Financial Consultant can help you determine the right solution for you, based on your needs.

Schwab Private Client

We provide you a dedicated team that collaborates with you to create, and adjust a sophisticated strategy, tailored to your goals. You always stay informed and in control.

$500k to start. Fees are 0.90% for equities and 0.70% for fixed income.

Call us at 866-645-4124 or find a local Financial Consultant to speak to.

Backed by Schwab's Satisfaction Guarantee

Schwab Advisor Network®

We'll refer you to an experienced, local independent investment advisor who can offer you personalized attention and specialized guidance.

$500k to start. Fees vary by independent advisor. No charge for referral.

Call us at 877-656-8749 or find a local Financial Consultant to speak to.

Additional Solutions

In addition to the solutions above, we offer Schwab Managed Portfolios and specialized investment solutions to help you meet your specific goals. A Schwab Financial Consultant can help you determine what’s right for you, based on your individual goals and financial situation.

  • Schwab Managed Portfolios

  • Managed Account Select®

  • Windhaven®

  • ThomasPartners®

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Common Questions

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1. There are certain eligibility requirements for working with a dedicated Financial Consultant.

Please read the Schwab Intelligent Advisory disclosure brochure for important information about this program.

Schwab Intelligent Advisory is made available through Charles Schwab & Co., Inc. (“Schwab”), a dually registered investment advisor and broker-dealer. Portfolio management services for Schwab Intelligent Portfolios® are provided by Charles Schwab Investment Advisory, Inc. (“CSIA”), a registered investment advisor. Please refer to the disclosure brochures for details about Schwab Intelligent Advisory. Free credit balances are swept into deposit accounts at Charles Schwab Bank (“Schwab Bank”). Brokerage products and accounts are offered by Schwab, Member SIPC. Deposit and lending products are offered by Schwab Bank, Member FDIC and an Equal Housing Lender.

Schwab Intelligent Advisory charges no commissions or account service fees. Schwab affiliates do earn more revenue from the underlying assets in Schwab Intelligent Portfolios accounts. The revenue comes from managing Schwab ETFs and providing services relating to certain third party ETFs that can be selected for the portfolio, and from the cash feature on the accounts. Revenue may also be received from the market centers where ETF trade orders are routed for execution.

Windhaven strategies and ThomasPartners strategies are available through Schwab’s Managed Account Connection® program. Please read Schwab’s disclosure brochure for important information and disclosures relating to Schwab Managed Account Connection and Schwab Managed Account Services.

Portfolio management for Windhaven and ThomasPartners is provided by Windhaven investment Management, Inc., and ThomasPartners, respectively. Both are registered investment advisors and affiliates of Charles Schwab & Co., Inc. (“Schwab”).

Windhaven’s risk management process includes an effort to monitor and manage risk, but should not be confused with (and does not imply) low risk or the ability to control risk.

The Managed Account Select program is sponsored by Schwab. Please read the Schwab Managed Account Services™ Disclosure Brochure for important information and disclosures. In addition, please read the participating manager's disclosure brochure, including any supplements, for important information and disclosures. Investments in managed accounts should be considered in view of a larger, more diversified investment portfolio. Services may vary depending on which money manager you choose and are subject to a money manager's acceptance of the account.

Diversification strategies do not ensure a profit and do not protect against losses in declining markets. Investments in managed accounts should be considered in view of a larger, more diversified investment portfolio.

Please read Schwab’s SMP Disclosure Brochure for important information and disclosures relating to Schwab Managed Portfolios.

Portfolio management for Schwab Managed Portfolios is provided by Charles Schwab Investment Advisory, Inc. ("CSIA"), an affiliate of Charles Schwab and Co., Inc. ("Schwab").

Please read the Schwab Private Client and the Schwab Private Client Investment Advisory, Inc. Disclosure Brochures for important information and disclosures about SPC. Portfolio management for SPC is provided by Schwab Private Client Investment Advisory, Inc., a registered investment advisor and an affiliate of Schwab.

Schwab Advisor Network member advisors are independent and are not employees or agents of Schwab. Schwab prescreens advisors and checks their experience and credentials against criteria Schwab sets, such as years of experience managing investments, amount of assets managed, professional education, regulatory licensing, and business relationship as a client of Schwab. Advisors pay fees to Schwab in connection with referrals. Schwab does not supervise advisors and does not prepare, verify, or endorse information distributed by advisors. Investors must decide whether to hire an advisor and what authority to give him or her. Investors, not Schwab, are responsible for monitoring and evaluating an advisor’s service, performance, and account transactions. Services may vary depending on which advisor an investor chooses.

Please read the Schwab Intelligent Portfolios Disclosure Brochures for important information, pricing, and disclosures relating to Schwab Intelligent Portfolios.

Schwab Intelligent Portfolios charges no advisory fees. Schwab affiliates do earn revenue from the underlying assets in Schwab Intelligent Portfolios accounts. This revenue comes from providing advisory and other services to Schwab ETFs and providing services relating to certain third-party ETFs that can be selected for the portfolio, and from the cash feature on the accounts. Revenue may also be received from the market centers where ETF trade orders are routed for execution.

Schwab Intelligent Portfolios is made available through Schwab Wealth Investment Advisory, Inc. (“SWIA”), a registered investment advisor. Portfolio management services are provided by Charles Schwab Investment Advisory, Inc. (“CSIA”). SWIA and CSIA are affiliates of Charles Schwab & Co., Inc. (“Schwab”) and subsidiaries of The Charles Schwab Corporation.

Satisfaction Guarantee

If you are not completely satisfied for any reason, at your request Charles Schwab & Co., Inc. ("Schwab") or Charles Schwab Bank ("Schwab Bank"), as applicable, will refund any eligible fee related to your concern within the timeframes described below. Two kinds of "Fees" are eligible for this guarantee: (1) asset-based "Program Fees" for the Schwab Private Client ("SPC"), Schwab Managed Portfolios ("SMP"), Schwab Intelligent Advisory ("SIA"), and Managed Account Connection ("Connection") investment advisory services sponsored by Schwab (together, the "Participating Services"); and (2) commissions and fees listed in the Charles Schwab Pricing Guide for Individual Investors and the Schwab Bank Deposit Account Pricing Guide (together, "Account Fees"). Program Fee refund requests must be received no later than the next calendar quarter after the Fee was charged. Account Fee refund requests must be received within one year of the date that the Fee was charged.

Program Fees are calculated as a percentage of eligible assets in Participating Service accounts. For more information about Program Fees, please see the disclosure brochure for the Participating Service, made available at enrollment or any time at your request. The Connection service includes only accounts managed by investment advisors affiliated with Schwab: Windhaven Investment Management, Inc., ThomasPartners, Inc., and Charles Schwab Investment Management, Inc. The guarantee does not cover Program Fees for accounts managed by investment advisors who are not affiliated with Schwab or managed by Schwab-affiliated advisors outside of the SPC, SMP, SIA and Connection services.

The guarantee is only available to current clients. Refunds will only be applied to the account charged and will be credited within approximately four weeks of a valid request. No other charges or expenses, and no market losses will be refunded. Other restrictions may apply. Schwab reserves the right to change or terminate the guarantee at any time.