Onward

Schwab's quarterly magazine for clients invested in their financial futures

Features

Financial Planning

Financial Meetings for Couples

Coming together as a couple for an annual financial meeting can help ensure you're on the same page. Consider these five tips for a successful and productive meeting.

March 07, 2025

Health Care

Paying for Long-Term Care

The cost of long-term care is significant—and something most retirees will face. Here's what to consider when deciding between self-funding or purchasing long-term care insurance.

March 07, 2025

Investments

Where to Find Yield Now

The Federal Reserve's recent rate cuts have investors wondering where they can find yield now. Here are a few income-generating investments worth considering.

March 07, 2025

Perspectives

Estate Planning

Blended-Family Estate Planning

Estate planning for a blended family has special considerations. Here's how to help ensure your assets go to your intended beneficiaries without causing discord.

March 07, 2025

Trading

3 Elements of a Swing Trade

Swing traders look to capture profits from short-term swings within longer-term up- or downtrends. Here's a look at some swing trading basics.

March 07, 2025

Taxes

Direct Indexing Tax Guide

Direct indexing has the potential to boost after-tax returns for investors seeking a more tax-efficient portfolio. Here's what to consider before implementing this tax strategy.

March 07, 2025

thinkorswim® spotlight

Trading Tools

Using thinkorswim® Alerts

Schwab's thinkorswim® trading platform offers a wealth of alerts to help you keep tabs on your trades and the market. Here's how to use them as your virtual trading assistant.

March 07, 2025

Word of mouth

Investments

What to Know About AI Now

Advances in AI technology have the potential to fundamentally alter our lives. A Schwab expert and a Harvard professor discuss what the future of AI could mean for investors.

March 07, 2025

Estate Planning

Upstream Gifting & Estate Taxes

Gifting assets to older rather than younger generations may offer multiple advantages.

March 07, 2025

Social Security

4 Social Security Questions

When and how to take Social Security comes down to more than just your age. Here, two Schwab experts answer common questions to help you decide.

March 07, 2025

Quick takes

Bonds

The Case for Active Bond Funds

Active bond funds have often outperformed the broader bond market over the past 15 years. Here's a look at how they work—and what to consider when researching them.

March 07, 2025

Retirement

Contribution Limits for 2025

Under the SECURE 2.0 Act, catch-up contributions for older workers get a boost this year. Here's a look at what else is new for contribution and gifting limits in 2025.

March 07, 2025

Fraud Prevention

Beware Medicare Scammers

Medicare fraud can take many forms, but the most prevalent scams seek to trick seniors into providing sensitive information.

March 07, 2025

Technical Analysis

RSI for Long-Term Holdings

Relative strength index is often used by traders to determine when to buy or sell a stock. Here's how long-term investors can put it to work in their own portfolios.

March 07, 2025

Taxes

Depreciation Recapture & Taxes

Claiming depreciation on income property can offer a break on your tax bill. But when it's time to sell, depreciation recapture could complicate your tax situation.

February 14, 2025

From our leaders

Introducing Rick Wurster

Rick Wurster
March 07, 2025

Stay Calm, Carry On

Charles Schwab
March 07, 2025

Print editions

Spring 2025 Issue

Winter 2024 Issue

Fall 2024 Issue

Summer 2024 Issue

From the archives

Portfolio Management

BDCs: High Yields, Big Risks?

Business development companies are known for attractive yields—but are they worth the risks?

March 04, 2022

Mortgages

Should You Consider an ARM?

Adjustable-rate mortgages are on the rise—but are they right for you?

November 11, 2022

Trading

Trading Simple Moving Averages

A stock's simple moving average can help traders identify when trends are established or broken. Here's how to employ them in your own trading.

November 11, 2022

Financial Planning

Protecting Finances as You Age

An unfortunate reality of aging is the natural decline in cognition. Here's how to help protect your finances.

February 16, 2023

Fraud Prevention

Beware P2P App Scams

What are the risks of peer-to-peer payment apps? Here's what you should know to avoid potential pitfalls and scams.

March 10, 2023

Estate Planning

Handling an Inherited Business

Inheriting a business can be a great honor—and potentially a great burden. Here's how to assess its viability and navigate the tax bill.

March 10, 2023

Government Policy

Inflation Reduction Act Facts

The $750 billion Inflation Reduction Act of 2022 aims to combat climate change and increase tax revenues. Here's what it could mean for you.

March 10, 2023

Insurance

Who Needs Umbrella Insurance?

Umbrella insurance can help you fill gaps in insurance coverage that can expose you to costly liabilities. Learn if umbrella insurance is right for you.

March 10, 2023

Explore more topics

Retirement IRA Taxes Investments Financial Planning Estate Planning Portfolio Management

The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.

All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed.

Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.

Past performance is no guarantee of future results.

Investing involves risk, including, for some products, more than your initial investment.

Equity and index options carry a high level of risk and are not suitable for all investors. Certain requirements must be met to trade options through Schwab. Please read the Options Disclosure Document titled "Characteristics and Risks of Standardized Options" before considering any option transaction. Supporting documentation for any claims or statistical information is available upon request.

Hedging and protective strategies generally involve additional costs and do not assure a profit or guarantee against loss.

With long options, investors may lose 100% of funds invested.

Spread trading must be done in a margin account.

Multiple leg options strategies will involve multiple transaction costs. 

Covered calls provide downside protection only to the extent of premiums received, and prevent any profitability above the strike price of the call.  

Futures, and Futures options trading involves substantial risk and is not suitable for all investors. Please read the Risk Disclosure Statement for Futures and Options prior to trading futures products.

Forex trading involves leverage, carries a substantial level of risk, and is not suitable for all investors. Please read the Risk Disclosure for Forex: https://www.schwab.com/resource/forex-risk-disclosure-statement.

Futures and forex accounts are not protected by the Securities Investor Protection Corporation (SIPC). Forex accounts do not receive a preference in any bankruptcy proceeding pursuant to Part 190 of the CFTC's regulations.

Read additional CFTC and NFA futures and forex public disclosures for Charles Schwab Futures and Forex LLC.

Futures, futures options, and forex trading services provided by Charles Schwab Futures and Forex LLC. Trading privileges subject to review and approval. Not all clients will qualify. Forex accounts are not available to residents of Ohio or Arizona.

Charles Schwab Futures and Forex LLC., is a CFTC-registered Futures Commission Merchant and NFA Forex Dealer Member.

Charles Schwab Futures and Forex LLC (NFA Member) and Charles Schwab & Co., Inc. (Member SIPC) are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation.

This information provided here is for general informational purposes only, and is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, you should consult with a qualified tax advisor, CPA, Financial Planner, or Investment Manager.

1124-YT64