Download the Schwab app from iTunes®Get the AppClose

  • Find a branch
  • Chat
To expand the menu panel use the down arrow key. Use Tab to navigate through submenu items.

Retirement & Planning

Real Life Retirement™ Services

Focusing on investments to retire on track

Please get the latest version of the Adobe Flash player to view this content.
Get Adobe Flash player
Herb R., age 63
Escondido, CA
Married, 3 grown children
"I like having control of my retirement funds, now that I have time to focus on them."

Herb's Tips

  • "Monitor the market, but don't make investment decisions in the moment."
  • "Keep some of your portfolio in cash, to take advantage of market dips."
  • "When you get a raise, increase your 401(k) contribution. It's painless saving."


  • Retired then took a contract position with his company; continues to save with SEP-IRA
  • Slow, steady contributions to 401(k) throughout career have given him a hefty retirement fund

Taking charge of his investments

"I retired from my job as an aerospace engineer a few years ago, but I continue to work a few days a week as a consultant for the company. This gives me time to manage my investments. I'm enjoying it."

Self-reliance and reflection are essential.

"When my wife, who is a teacher, decides to retire, that's when I will stop working. Until then, I am trying to find the right mix of stocks, cash and other funds for our life in retirement. Rebalancing my portfolio and reducing the number of stocks I own to a more manageable number are priorities. I also like the idea of money market funds or laddering CDs to produce income for many years to come. I have the time now to research and try some investment strategies. By the time I'm 66, when I will definitely retire, I should have it figured out."

Take the Next Step.

Let's talk about the retirement you want.

Call 877-673-7970 for your complimentary retirement consultation.