It all starts with a dedicated Financial Consultant.

When you partner with a Schwab Financial Consultant, your questions will be encouraged. Our answers will be straightforward.

You’ll understand where your money is invested and why, how your investments are performing, and how much it’s costing you. Plus, you’ll have access to expertise, specialists, and insights to help you reach your own specific goals.

It’s an approach to wealth management that’s all about transparency, accountability, and taking ownership of your financial life. Because the best outcomes in life come from being fully engaged.

There are eligibility requirements to work with a dedicated Financial Consultant.

Our Promise

We believe investors deserve better. And here's our promise:

  • Partnering. You’re not just a client at Schwab. We believe in partnering with you and getting to know you so we can work together on your terms.
  • Advice. We provide access to commentary and insights from Schwab experts and advice that is understandable, relevant, and actionable.
  • Choice. We offer a broad range of investment options from leading asset managers across the industry, not just our own.
  • Transparency. We’ll be open and honest in all aspects of our relationship, including what you pay for our services and the thinking behind our advice.
  • Value. We design our products and services with a goal of driving down costs, so investors have more money to invest.

You earned your wealth the hard way.
Why manage it the old way?

Meet with a Financial Consultant

A Personal Relationship

  • Your dedicated Financial Consultant can partner with you to build a relationship defined by your goals, preferences, and active involvement.
  • He or she can help you choose from a variety of services based on your goals, including portfolio management, banking, retirement planning, trading, insurance, annuities, and more.
  • You’ll have direct access to experienced specialists in areas like fixed income, global investing, charitable giving, and tax, trust, and estate planning.
  • It will all be backed by our 24/7 client service and “anywhere, anytime account access” through and our mobile apps.1


  • Your Financial Consultant can work with you to create a holistic plan with specific investment recommendations and a clear explanation of the benefits and risks.
  • Your plan will reflect our thorough, disciplined approach to investing, including risk and return analysis, inflation expectations, “what if” scenarios, and careful asset allocation.
  • Your plan will reflect your priorities, from retirement income and estate planning to insurance and debt management. And you can meet regularly to keep your plan up to date as your life evolves.

Portfolio Management

  • Your Financial Consultant can help you choose the right level of advice for your needs: professionally managed portfolios, specialized strategies, or customized investment advice.
  • You’ll have access to portfolio management expertise from Schwab and over 40 outside investment managers, including tax-managed, hedged equity, real estate, and income strategies.
  • Because we believe investors deserve accountability, we offer The Schwab Accountability Guarantee™: If for any reason you’re not happy with one of our participating investment advisory services, we’ll refund your program fee from the previous quarter and work with you to make things right.2

See below for important information on The Schwab Accountability Guarantee.

We strive to keep fees low so that you have more money to invest.

A difference of 1% in annual investment costs can reduce returns by nearly $1 million over time.*

What you pay can lower what you earn.

$2.7M 1% annual investing cost $1.8M 2% annual investing cost Age 45 55 65 75 85 $2M $1M $3M $1.3M $1.2M $1.0M $1.0M $1.6M $1.3M $2.0M $1.6M 1.0 1.5 2.0 2.5 3.0 $2.7M 1.0% annual Investing cost $1.8M 2.0% annual Investing cost Age 45 55 65 75 85 $2M $1M $3M $1.3M $1.2M $1.0M $1.0M $1.6M $1.3M $2.0M $1.6M 1.0 1.5 2.0 2.5 3.0

*Assumes a 3.5% rate of return, including inflation.

This example is hypothetical, is provided for illustrative purposes only, and does not represent any specific investment. Assumes a $1 million initial investment with a 3.5% compounding rate of return and investment costs of 1% and 2%. Actual investment results will vary with market conditions, and investment costs will differ based on a variety of factors including, but not limited to, the specific investments selected and account-related fees.