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Personal Finance & Planning

Retirement Savings Milestones: How Much Should You Have Now?
by Rob Williams
June 02, 2017

Measuring progress toward your retirement goals isn’t easy, so we created some milestones you can use to see how your savings stack up.

The Importance of Tax-Efficient Investing
by Rande Spiegelman
April 03, 2017

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

Why Market Returns May Be Lower in the Future
by Veerapan Perianan
March 13, 2017


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.

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.

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.

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.

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 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.

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.