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Schwab Intelligent Portfolios Premium™

Robo-advice meets 1:1 professional guidance.

Introducing automated investing with unlimited guidance from a CERTIFIED FINANCIAL PLANNER™ professional, now for a monthly subscription fee.

Advanced technology. Unlimited guidance.

  • Our robo-advisor builds, monitors, and automatically rebalances a diversified portfolio based on your goals.
  • Get unlimited 1:1 guidance from a CERTIFIED FINANCIAL PLANNER™ professional, interactive planning tools, and a personalized roadmap for reaching your goals.
  • Get started with $25,000.

A CERTIFIED FINANCIAL PLANNER™ professional can help you prioritize your goals like saving for college and retirement, create a plan for reaching them, and provide portfolio recommendations. A CFP® professional has successfully completed the CFP Board's rigorous and ongoing certification requirements. These professionals both understand the complexities of financial planning and make recommendations in your best interest. Easily schedule appointments online to meet by phone or video conference at a time that's convenient for you.

Backed by our commitment to keeping costs low.

  • Pay a one-time planning fee of $300, and just a $30/month advisory fee after that.
  • Invest in a portfolio of low-cost exchange-traded funds (ETFs).
  • Just as if you'd invested on your own, you will pay the operating expenses on the ETFs in your portfolio, which includes Schwab ETFs™.

An ETF (exchange-traded fund) contains a portfolio of securities, such as stocks or bonds, and it trades intraday on an exchange. A low-cost way to build a diversified portfolio, an ETF can provide diversified exposure to a particular segment of the market, to a specific industry, or to a particular geographical region. With Schwab Intelligent Portfolios, you'll get a portfolio of ETFs chosen by experts who use their professional insight to pare down more than 1,800 ETFs to the 53 across 20 asset classes that will be considered for the portfolio's. Experts monitor ETFs to ensure they remain appropriate for the portfolios strategy.

What else you should know.

  • We believe cash is a key component of an investment portfolio. Based on your risk profile, a portion of your portfolio is placed in an FDIC-insured deposit at Schwab Bank. Some cash alternatives outside of the program pay a higher yield. See more information.

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. The portfolios include a cash allocation to a deposit account at Schwab Bank. Our affiliated bank earns income on the deposits, and earns more the larger the cash allocation is. 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. Deposits held at Schwab Bank are protected by FDIC insurance up to allowable limits per depositor, per account ownership category. Schwab Intelligent Portfolios Solutions invests in Schwab ETFs. A Schwab affiliate, Charles Schwab Investment Management, 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.

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Feel confident in your financial future with all the features of Schwab Intelligent Portfolios®, plus 1:1 guidance and personalized planning.

Get automated investing with Schwab Intelligent Portfolios.

Make investing easier with a portfolio managed with robo-advice technology.

Our advanced algorithm builds, monitors, and automatically rebalances a portfolio of low-cost exchange-traded funds (ETFs) so you don't have to.

Learn more about Schwab Intelligent Portfolios

Donut chart showing breakdown of different funds that make up a portfolio, including commodities, cash, fixed income and stocks.

Plus, get professional guidance and planning with Schwab Intelligent Portfolios Premium™.

Get unlimited 1:1 guidance from a CERTIFIED FINANCIAL PLANNER™ professional.

A CFP® professional can help you prioritize your goals like saving for college and retirement, create a plan for reaching them, and provide portfolio recommendations in your best interest. You can easily schedule appointments online to meet by phone or video conference at a time that's convenient for you.

Schwab-brand piano music plays. A young woman in professional attire is seated facing the camera with a light-filled office space behind her.

Onscreen text: Christina Faulkner, CERTIFIED FINANCIAL PLANNER™, Schwab Intelligent Portfolios Premium™

Hi, my name is Christina Faulkner. I am a CERTIFIED FINANCIAL PLANNER™.

Christina is shown in her bright office, sitting at her desk by a window. She is smiling while talking on a headset and looking up something on her computer.

Christina [offscreen]: I love working as a planner, because I get to help people figure out how to get from today to tomorrow.

A view of her computer screen reveals she's in a phone chat with a client.

Christina [offscreen]: Some of the common questions that I get from clients are how am I doing, am I on track towards meeting my goals, and how do I juggle everything.

Christina faces the camera and continues the interview.

Christina: And they're concerned about it. They're trying to figure out how do I do all of these things. How do I pay for the down payment of my home. How do I pay off my student loans, or even save for retirement. That's a lot. With planning, we help them prioritize by first understanding what's most important to you at this point. We help you to see the big picture of what you're trying to accomplish. Let's create a plan on how you get there.

Onscreen text: Schwab Intelligent Portfolios Premium™

Music continues to play.

Onscreen text: Charles Schwab. Own your tomorrow. Investing involves risk including loss of principal. Demo shown is for illustrative purposes only and is not representative of any client, experience, or result. Individual experience will vary.

©2019 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC1305585 (0319-95RU)

Simple pricing for advice, plus your satisfaction is guaranteed.

For a one-time planning fee of $300, and just a $30/month advisory fee after that, you’ll get:

  • Unlimited guidance from a CERTIFIED FINANCIAL PLANNER™ professional
  • Interactive online planning tools
  • Customized roadmap for reaching your goals

All backed by our Satisfaction Guarantee. If for any reason you're not completely satisfied, we'll refund any eligible fee and work with you to make things right.

Learn more about our Satisfaction Guarantee
300
one-time
planning fee

+

30
/month
advisory fee

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Common Questions

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Pricing and Minimums

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Financial Planning

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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 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.

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. The portfolios include a cash allocation to a deposit account at Schwab Bank. Our affiliated bank earns income on the deposits, and earns more the larger the cash allocation is. 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. Deposits held at Schwab Bank are protected by FDIC insurance up to allowable limits per depositor, per account ownership category. Schwab Intelligent Portfolios Solutions invests in Schwab ETFs. A Schwab affiliate, Charles Schwab Investment Management, 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.

The cash allocation in Schwab Intelligent Portfolios Solutions™ will be accomplished through enrollment in the Schwab Intelligent Portfolios Sweep Program (Sweep Program), a program sponsored by Charles Schwab & Co., Inc. By enrolling in Schwab Intelligent Portfolios Solutions, clients consent to having the free credit balances in their Schwab Intelligent Portfolios Solutions brokerage accounts swept to deposit accounts at Charles Schwab Bank through the Sweep Program. Charles Schwab Bank is an FDIC-insured depository institution affiliated with Charles Schwab & Co., Inc. and Charles Schwab Investment Advisory, Inc.

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.

Tax-loss harvesting is available for clients with invested assets of $50,000 or more in their account. Clients must choose to activate this feature. The tax-loss harvesting feature that is available with Schwab Intelligent Portfolios Solutions™ is subject to significant limitations which are described on the Schwab Intelligent Portfolios Solutions website and mobile application (collectively, the "Website") as well as in the Schwab Intelligent Portfolios Solutions™ disclosure brochures (the "Brochures"), and the IRS website at www.irs.gov. You should consider whether to activate the tax-loss harvesting feature based on your particular circumstances and the potential impact tax-loss harvesting may have on your tax situation. You should read the tax-loss harvesting disclosures on the Website and in the Brochures before choosing the tax-loss harvesting feature. Neither the tax-loss harvesting strategy nor any discussion herein is intended as tax advice, and neither Charles Schwab & Co., Inc. nor its affiliates, including but not limited to Charles Schwab Investment Advisory, Inc., represents that any particular tax consequences will be obtained.

Diversification, automatic investing and rebalancing strategies do not ensure a profit and do not protect against losses.

(1019-9SKB)