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Modern investment advice means having better choices.

Investment Advice Options

Automated investing that is a simpler, smarter way to invest

Schwab Intelligent Portfolios®

We build, monitor and automatically rebalance a portfolio of low-cost exchange-traded funds. You can get help from a Schwab professional anytime, 24/7.

$5K to start. Pay no advisory fee and no commissions.

Learn More Open an Account

Just as if you'd invested on your own, you pay the operating expenses on the ETFs in your portfolio—which includes Schwab ETFs. 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.

Personal planning and automated investing – a new approach

Schwab Intelligent Portfolios Premium™

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.

$25K to start. Pay a one-time planning fee of $300, and just a $30/month advisory fee after that.

Learn More Start Your Plan

Backed by Schwab's Satisfaction Guarantee

Just as if you'd invested on your own, you pay the operating expenses on the ETFs in your portfolio—which includes Schwab ETFs. 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.

Dedicated financial advice with a personal relationship1

We offer clients the option of a high-touch relationship to help you meet your financial goals. A Schwab Financial Consultant can help you determine the right solution for you, based on your needs.

Schwab Private Client™

We provide you a dedicated team that collaborates with you to create, and adjust a sophisticated strategy, tailored to your goals. You always stay informed and in control.

$500k to start. Fees start at 0.80% and the fee rate decreases at higher asset levels.

Learn More

Call us at 866-645-4124 or find a local Financial Consultant to speak to.

Backed by Schwab's Satisfaction Guarantee

Schwab Advisor Network®

We'll refer you to an experienced, local independent investment advisor who can offer you personalized attention and specialized guidance.

$500k to start. Fees vary by independent advisor. No charge for referral.

Learn More

Call us at 877-656-8749 or find a local Financial Consultant to speak to.

Additional Solutions

In addition to the solutions above, we offer Schwab Managed Portfolios and specialized investment solutions to help you meet your specific goals. A Schwab Financial Consultant can help you determine what’s right for you, based on your individual goals and financial situation.

  • Schwab Managed Portfolios™

  • Managed Account Select®

  • Windhaven® Strategies

  • ThomasPartners® Strategies

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Common Questions

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1. There are certain eligibility requirements for working with a dedicated Financial Consultant.

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.

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

Windhaven Strategies and ThomasPartners Strategies are available through Schwab's Managed Account Connection® program. Please read Schwab's disclosure brochure for important information and disclosures relating to Schwab Managed Account Connection and Schwab Managed Account Services™.

Portfolio Management for the ThomasPartners Strategies is provided by ThomasPartners Investment Management and Portfolio Management for the Windhaven Strategies is provided by Windhaven Investment Management. ThomasPartners Investment Management and Windhaven Investment Management are divisions of Charles Schwab Investment Advisory, Inc. ("CSIA"). CSIA is a registered investment adviser and an affiliate of Charles Schwab & Co, Inc. ("Schwab"). Both CSIA and Schwab are separate entities and subsidiaries of The Charles Schwab Corporation.

Windhaven's risk management process includes an effort to monitor and manage risk, but should not be confused with (and does not imply) low risk or the ability to control risk.

The Managed Account Select program is sponsored by Schwab. Please read the Schwab Managed Account Services™ Disclosure Brochure for important information and disclosures. In addition, please read the participating manager's disclosure brochure, including any supplements, for important information and disclosures. Investments in managed accounts should be considered in view of a larger, more diversified investment portfolio. Services may vary depending on which money manager you choose and are subject to a money manager's acceptance of the account.

Diversification strategies do not ensure a profit and do not protect against losses in declining markets. Investments in managed accounts should be considered in view of a larger, more diversified investment portfolio.

Please read Schwab's SMP Disclosure Brochure for important information and disclosures relating to Schwab Managed Portfolios. Portfolio management for Schwab Managed Portfolios is provided by Charles Schwab Investment Advisory, Inc. ("CSIA"), an affiliate of Charles Schwab and Co., Inc. ("Schwab").

Please read the Schwab Private Client and the Schwab Private Client Investment Advisory, Inc. Disclosure Brochures for important information and disclosures about SPC. Portfolio management for SPC is provided by Schwab Private Client Investment Advisory, Inc., a registered investment advisor and an affiliate of Schwab.

Schwab Advisor Network member advisors are independent and are not employees or agents of Schwab. Schwab prescreens advisors and checks their experience and credentials against criteria Schwab sets, such as years of experience managing investments, amount of assets managed, professional education, regulatory licensing, and business relationship as a client of Schwab. Advisors pay fees to Schwab in connection with referrals. Schwab does not supervise advisors and does not prepare, verify, or endorse information distributed by advisors. Investors must decide whether to hire an advisor and what authority to give him or her. Investors, not Schwab, are responsible for monitoring and evaluating an advisor's service, performance, and account transactions. Services may vary depending on which advisor an investor chooses.

At Schwab, we believe every investor deserves to work with a firm they can count on. Our commitment to your satisfaction is backed by a guarantee. If for any reason you're not completely satisfied with Schwab investment advisory services ("Participating Services"), we'll refund your program fee from the previous quarter and work with you to make things right.* Go to schwab.com/satisfaction to learn what's included and how it works.

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