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Retirement Income

A new approach to retirement income.

We believe that an effective approach to retirement income should include these four steps:

  • 1. Plan your spending.

    Create a financial plan based on your goals, expected spending, and how long you need your money to last.

  • 2. Choose your investments.

    Build a diversified portfolio that takes into account your desired growth, income, risk, and timeline.

  • 3. Tap your income sources.

    Generate a reliable income stream by tapping your entire portfolio in tax-smart ways.

  • 4. Update your plan.

    Monitor and adjust your plan and portfolio regularly to help make sure your money lasts, regardless of life or market changes.

We have solutions to help you take these four steps.

Creating predictable tax-smart withdrawals from your investments can be a complicated, ongoing challenge. We've designed solutions to make it easier.

Automated investing with a predictable withdrawal - a simple way to pay yourself from your portfolio

Schwab Intelligent Income™ available with Schwab Intelligent Portfolios®

Minimum investment: $5,000

  • Gain a clear sense of how much you can withdraw from your enrolled accounts and be confident in knowing how long it could last.
  • We build a diversified portfolio of ETFs for you across all your accounts.
  • We manage the complexity of making tax-smart withdrawals for you.
  • Start, stop, or adjust your withdrawal at any time without penalty.
  • Get 24/7 live support from Schwab service professionals.
  • Access your dashboard and projection tools so you can easily see where you stand.

Personalized wealth and retirement planning with a Schwab advisor

Schwab Private Client™

Minimum investment: $500,000

  • Work with a dedicated Schwab advisor to create and implement a personalized and holistic financial plan.
  • Get a highly personalized wealth strategy and portfolio recommendations.
  • Stay involved and maintain control over all investing decisions.
  • Access a team of Schwab specialists who can provide guidance in areas such as fixed income, equity compensation, and estate planning.
  • Develop a customized withdrawal strategy based on your unique circumstances.
  • Your portfolio and plan are monitored on a regular basis.
  • Schedule check-ins to review progress and make adjustments as your goals and market conditions evolve.

We also have a range of products to complement our retirement solutions.

The products below can be used to balance risk, liquidity, and predictability to meet your specific income goals.
Products Role in a retirement portfolio
Cash Products Current spending
Annuities Guaranteed income
Bonds Short-term reserve and long-term portfolio
Stocks Long-term portfolio

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

Schwab Intelligent Income™ is available with both Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium. Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium are made available through Charles Schwab & Co., Inc. (Schwab), a dually registered investment advisor and broker-dealer. Portfolio management services are provided by Charles Schwab Investment Advisory, Inc. (CSIA). Schwab and CSIA are subsidiaries of The Charles Schwab Corporation.

Please read the Schwab Private Client and the Schwab Private Client Investment Advisory, Inc. Disclosure Brochures for important information and disclosures about this service.

Fee-based Financial Planning consultations are conducted by employees of Schwab Private Client Investment Advisory, Inc. (SPCIA).

Schwab Private Client™ (SPC) is a non-discretionary investment advisory service sponsored by Charles Schwab & Co., Inc. (Schwab). Schwab Private Client Investment Advisory, Inc. (SPCIA) is a registered investment advisor and provides portfolio management for the SPC service. Schwab and SPCIA are affiliates and are subsidiaries of The Charles Schwab Corporation.

©2019 Charles Schwab & Co., Inc. (Schwab). All rights reserved. Member SIPC.

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