Keep more of your earnings with a tax-efficient investment plan

Understand the importance of tax-efficient investing
Whatever your investment strategy or asset level, minimizing taxes is often a top priority. Adopting a year-round approach to tax planning can increase your after-tax cash flows and provide greater savings at tax time. Learn to use diversification, asset allocation, and expense reduction to your tax advantage.
Take advantage of tax-efficient investment products
Open a college savings account, such as a 529 plan.	College Savings

Contribute to retirement accounts with tax-deferred benefits.	Retirement Accounts

Find out if a tax-deferred annuity can increase your retirement savings potential.	Annuities

Minimize estate taxes with a trust or charitable gift account.	Estate Planning
Are you doing all you can to maximize your after-tax wealth?
Work closely with a Schwab Investment Professional to develop a plan that can: Incorporate tax-efficient investments with solid performance potential Take into account minimizing capital gains Diminish estate taxes to protect and preserve your estate Consider tax implications for small business and self-employed individuals	Financial Guidance
Access our online tax tools and information
See how to minimize the tax impact on your heirs.	Estate Tax and Probate Calculator

Schwab Clients can make informed tax decisions with these helpful tools. Schwab Sell Analyzer—understand potential tax consequences before you trade. Online Tax Projector—quickly discover whether you might get a refund or owe taxes. Filing Tools and Tax Tips—from a leading tax preparation service.	Tax Center

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Get tax insight from Schwab experts