The Power of Planners

March 6, 2023
No one's financial journey is the same, which is why our team of CERTIFIED FINANCIAL PLANNER™ professionals can help to address needs at every life stage.
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The Power of Planners

Upbeat music plays on background.

Blue squares of all sizes appear then slowly fade out to show the Charles Schwab logo. Then "Intelligent Portfolios" appears in a grayish-blue square to the right of the Charles Schwab logo.

Both logos then move to the bottom right hand of the screen and decrease in size. "Schwab Intelligent Portfolios® The Power of Planners" appears in the center with an animated thin white line completing a square.

Music stops. The title screen fades away to reveal speakers Melissa Benavidez and Kate Goesel sitting together at a desk. Onscreen text: Melissa Benavidez, CFP®, CWS®, MBA, Planning Director, Schwab Intelligent Portfolios Premium® on a blue banner.

Melissa: Hello, I'm Melisa Benavidez, Certified Financial Planner and Planning Director for Schwab Intelligent Portfolios Premium.

The camera cuts to Kate Goesel. Throughout the video, the camera cuts to focus on the speaker.

Onscreen text: Kate Goesel, CFP®, Senior Team Manager, Schwab Intelligent Portfolios Premium® on a blue banner.

Kate: And I'm Kate Goesel, CFP and Senior Team Manager of our planning group. We know that your finances grow, shrink, change and otherwise evolve with you - that's why we created Schwab Intelligent Portfolios Premium which combines automated investing technology with unlimited one-on-one guidance from Schwab's team of Certified Financial Planner professionals.

Melissa: Your financial plan includes simulations on how the stock market affects your savings and income in retirement, but the stock market will always have its ups and downs. A thoughtful financial plan here at Schwab may help remove the noise of the market and help show you how to work to achieve your goals regardless of market conditions.

Kate: Agreed Melissa. Along with being a financial planner, I'm also a wife, a mother and I care for my elderly mother. My husband and I needed help with a plan when we combined finances, and we needed a new plan when we started our family. Recently I have helped my own mother navigate her finances after the death of my father. Each of these life stages I've come upon -- I needed help from a CFP®.

Melissa: Kate, I completely understand. My parents moved in with me and my husband about 6 years ago. My father had dementia and was handicapped, and you can imagine the expenses of trying to accommodate his needs. After adjusting my financial plan with the help of one of my CFPs, I had the peace of mind to know that we were still on track.

No one's financial journey is the same, which is why our team of Certified Financial Planner professionals can help to address needs at every life stage. They will take the time to understand your needs, your wants, and wishes and build a plan that's tailored to your goals.

A gray box appears on the screen. As Melissa is speaking, text appears in the box that repeats the bulleted points.

Schwab's Wealth Management topics range from:

  • Investment, estate, and tax planning
  • Retirement planning and guidance
  • Banking, credit, and debt management
  • Family support, whether that be caring for someone with special needs or aging parents
  • Risk management and insurance
  • Among so many others

Kate: Along with these topics, Schwab Intelligent Portfolios Premium can help bring peace of mind. The robo-advisor builds, monitors, and automatically rebalances your portfolio, while our team of investment professionals are involved in the portfolio construction and management.

What sets our Premium offer apart are the planners -- all are CFP® professionals who can help you make a plan, and even more importantly, help you take action on it! You can easily schedule appointments online to meet by phone or video conference at a time that’s convenient for you. It’s financial planning, powered by automated investing with the added benefit of us – the Certified Financial Planners at Schwab!

We're ready when you are.

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Blue squares of all sizes appear then slowly fade out to show the Charles Schwab logo. Then "Intelligent Portfolios" appears in a grayish-blue square to the right of the Charles Schwab logo.

Please read the Schwab Intelligent Portfolios Solutions disclosure brochures for important information, pricing, and disclosures relating to Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium programs.

Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium® are made available through Charles Schwab & Co., Inc. ('Schwab'), a dually registered investment adviser and broker-dealer. Portfolio management services are provided by Charles Schwab Investment Management, Inc. ("CSIM"). Schwab and CSIM are subsidiaries of The Charles Schwab Corporation.

There is no advisory fee or commissions charged for Schwab Intelligent Portfolios. For Schwab Intelligent Portfolios Premium, there is an initial planning fee of $300 upon enrollment and a $30-per-month advisory fee charged on a quarterly basis as detailed in the Schwab Intelligent Portfolios Solutions disclosure brochures. Investors in Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium (collectively, “Schwab Intelligent Portfolios Solutions”) do pay direct and indirect costs. These include ETF operating expenses which are the management and other fees the underlying ETFs charge all shareholders. Schwab does not charge an advisory fee for the SIP Program in part because of the revenue Schwab Bank generates from the cash allocation (an indirect cost of the Program). The portfolios include a cash allocation to FDIC‐insured Deposit Accounts at Charles Schwab Bank, SSB ("Schwab Bank"). Schwab Bank earns income on the deposits, and earns more the larger the cash allocation. The lower the interest rate Schwab Bank pays on the cash, the lower the yield. Some cash alternatives outside of Schwab Intelligent Portfolios Solutions pay a higher yield. Schwab Intelligent Portfolios Solutions invests in Schwab ETFs. A Schwab affiliate, Charles Schwab Investment Management Inc., receives management fees on those ETFs. Schwab Intelligent Portfolios Solutions also invests in third-party ETFs. Schwab receives compensation from some of those ETFs for providing shareholder services, and also from market centers where ETF trade orders are routed for execution. Fees and expenses will lower performance, and investors should consider all program requirements and costs before investing. Expenses and their impact on performance, conflicts of interest, and compensation that Schwab and its affiliates receive are detailed in the Schwab Intelligent Portfolios Solutions disclosure brochures. Certain conditions must be satisfied for FDIC insurance coverage to apply. Charles Schwab & Co., Inc. and Charles Schwab Investment Management Inc. are not FDIC-insured banks and deposit insurance covers the failure of an insured bank.

Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium® are designed to monitor portfolios on a daily basis and will also automatically rebalance as needed to keep the portfolio consistent with the client’s selected risk profile. Trading may not take place daily.

IMPORTANT: The projections or other information you will see here regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. The projections are based on estimates intended to be representative of the selected portfolio.

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.

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