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Personal Finance & Planning

The Estate Tax and Lifetime Gifting
by Rande Spiegelman
January 06, 2017

If you have a large estate, consider gifting during your lifetime as a strategy to help reduce estate taxes.

Taxes: What's New for 2017?
by Rande Spiegelman
January 04, 2017

Learn more about common tax breaks and this year's inflation adjustments.

New Year's Financial Resolutions: Get Your Finances in Shape for 2017
by Rande Spiegelman
December 29, 2016

Five resolutions to reshape your finances in the year ahead.

Year-End Tax Tips for 2016
by Rande Spiegelman
November 28, 2016

Take control of your taxes and consider these year-end tax tips that could help you come April.

Healthy and Wealthy: How Planning Can Boost Your Well-Being
by Rob Williams
July 28, 2016

Research has shown that planning can be an effective way to reinforce behavior that’s good for your health and your finances.

Why Market Returns May Be Lower in the Future
by Veerapan Perianan
June 24, 2016


When Should You Take Social Security?
by Rande Spiegelman
May 17, 2016

You may be eligible to collect Social Security as early as 62, but waiting until age 70 yields greater benefits for most people. Here's how to decide.

Retirement Spending: How Much Can You Afford?
by Cooper J Howard and Rob Williams
May 03, 2016

What’s the right spending level in retirement? The 4% rule is a good starting point for planning, but individual considerations still apply.

Bond Ladders: A Useful Tool for Retirement Income
by Rob Williams
April 18, 2016

Bond ladders can help you manage cash needs in retirement, allowing you potentially to take more risk elsewhere in your portfolio.

The Importance of Tax-Efficient Investing
by Rande Spiegelman
March 29, 2016

Manage your taxable return with these tax-efficient investing strategies.

Investment Expenses: What's Tax Deductible?
by Rande Spiegelman
March 15, 2016

Take advantage of these deductions if you've incurred investment expenses. 

Get Ready for Tax Season: Start Your 2015 Taxes
by Rande Spiegelman
February 16, 2016

This year taxes aren’t due until April 18, but a head start could save you from troubles and may uncover overlooked deductions.

Year End Tax Tips for 2015
by Rande Spiegelman
November 05, 2015

Take control of your taxes and consider these year-end tax tips that could help you come April.

Video | Straight Talk: Global Divergences Bring Risks and Opportunities
by Liz Ann Sonders
February 09, 2015

The relatively healthy U.S. economy has diverged from weaker global economies, in terms of monetary policies, growth rates and currencies. But what does it mean for your investments?

Giving Wisely
by Charles Schwab
November 21, 2014

Make your charitable giving go further with a donor-advised fund.

Set Up Your Grad for Success
by Carrie Schwab-Pomerantz
November 21, 2014

Guidance to consider as your recent college grad enters the working world. 

Charitable Donations: The Basics of Giving
by Rande Spiegelman
October 29, 2014

Helpful tax tips for your end-of-year charitable contributions, including stock donations.

Giving to Charity: 4 Smart Strategies
by Rande Spiegelman
October 29, 2014

Make the most of charitable giving. Consider these accounts to further your philanthropic goals and receive a few tax advantages as well.

Do You Have Money Smarts?
by Carrie Schwab-Pomerantz
August 28, 2014

Don’t let these common money myths derail your finances.

Saving for College: Coverdell Education Savings Accounts
by Rande Spiegelman
August 20, 2014

An Education Savings Account is a great way to invest money to help pay for your child’s college education.

Saving for College: Custodial Accounts
by Rande Spiegelman
August 13, 2014

Custodial accounts may not offer the tax-free benefits of 529 plans, but they can be used to fund expenses that 529 plans don't cover.

A Living Trust Can Help You and Your Heirs
by Rande Spiegelman
June 09, 2014

A living trust can benefit you during your lifetime and, upon your death, help ensure that your assets go directly to the people you've designated. 

The Financial Side of Remarrying Later in Life
by Carrie Schwab-Pomerantz
May 30, 2014

What to consider before tying the knot.

5 Rules to Guide Your Investing Career
by Charles Schwab & Co Inc
May 30, 2014

What recent college graduates should know about personal financial planning.

Will You Have Enough for Retirement?
by Rob Williams
May 30, 2014

Turning your retirement savings into steady income. 

Three Common Pitfalls of 529 Plans
by Rande Spiegelman
May 28, 2014

Know the benefits and the drawbacks before you open a 529 plan.  

Saving for College: 529 College Savings Plans
by Rande Spiegelman
May 28, 2014

A 529 college savings plan is perhaps one of the best ways to invest money to help pay for your child's college education.

The Alternative Minimum Tax (AMT)
by Rande Spiegelman
May 21, 2014

There's plenty of mystery around the shadow tax system known as the alternative minimum tax.  

Donor-Advised Funds: Making Charitable Giving Strategic, Easy, Tax Smart
by Rande Spiegelman
May 07, 2014

If you want to give to charity and get a tax deduction, but you aren't sure how or to whom you want to give, a donor-advised fund could be a good option.

Measure Progress Toward Your Long-Term Goals
by Rande Spiegelman
April 14, 2014

Are you on track to meet your financial goals? Learn how to create custom performance benchmarks and a personal net worth statement.

Borrow Smart: How to Use Debt Wisely
by Rande Spiegelman
March 20, 2014

Four low-rate loans with tax-deductible interest that will help you manage your household debt and minimize your payments.

Smart Tax Strategies for Your Estate Plan
by Rande Spiegelman
February 05, 2014

Make the most of your estate plan with these tax savvy strategies.

Why You Need an Estate Plan
by Rande Spiegelman
January 29, 2014

Even if your estate is modest, taking care of a few estate-planning basics can help make things easier on your loved ones.

Why Cash-Out Refinancing to Invest Doesn't Add Up
by Schwab Center for Financial Research
October 23, 2013

Gambling with borrowed money is a recipe for disaster—comparing interest rates doesn't tell the whole story.

Mortgage Debt: A Tool to Help Plan Your Finances
by Rande Spiegelman
September 24, 2013

A mortgage does not need to be viewed as just a liability. Think of it as a financial tool and part of your net worth.

How Not to Leave Money to Your Ex
by Rande Spiegelman
August 16, 2013

It actually does happen. People die and inadvertently leave sizable portions of their estates to ex-wives or ex-husbands-or to people they haven’t seen for 30 years. 

Stretching Your IRA: Transferring Wealth to the Next Generation
by Rande Spiegelman
July 16, 2013

An IRA can allow you to transfer wealth to future generations while reducing, deferring or even eliminating income taxes on your retirement savings. 

A Blueprint for Success
by Mark W Riepe
June 26, 2013

You would not build a house without a blueprint. Building an investment portfolio should be no different. 

Margin: How Does It Work?
by Rande Spiegelman
May 09, 2013

In the same way a bank will lend you money if you have equity in your house, your brokerage firm can lend you money against the value of investments in your portfolio.

Two Types of Annuities for Retirement Income
by Rob Williams
March 27, 2013

After working hard to save for retirement, you'll need to manage market risk and generate income that lasts—annuities are one tool that can help.

Investors should consider carefully information contained in the prospectus, including investing objectives, risks, charges and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.

Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income and small capitalization securities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.