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Modern investment advice means having better choices.

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.

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.

Personal planning and automated investing – a new approach

Schwab Intelligent Advisory

A way to plan for your financial goals. Our unique approach combines personal advice from a Planning Consultant, who is a CERTIFIED FINANCIAL PLANNER professional, with our powerful online planning tool.

$25K to start. No commissions charged. Annual advisory fee is 0.28% of assets enrolled except cash.

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.

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.

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.

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

Please read the Schwab Intelligent Portfolios Disclosure Brochures for important information, pricing, and disclosures relating to Schwab Intelligent Portfolios.

There is no advisory fee or commissions charged for the Schwab Intelligent Portfolios Program. Investors 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 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 invests in Schwab ETFs. A Schwab affiliate, Charles Schwab Investment Management, receives management fees on those ETFs. Schwab Intelligent Portfolios 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 disclosure brochures.

Schwab Intelligent Portfolios is 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 Advisory, Inc. ("CSIA"). Schwab and CSIA are affiliates and subsidiaries of The Charles Schwab Corporation.

Please read the Schwab Intelligent Advisory disclosure brochure for important information about this program.

Schwab Intelligent Advisory is made available through Charles Schwab & Co., Inc. (“Schwab”), a dually registered investment advisor and broker-dealer. Portfolio management services for Schwab Intelligent Portfolios® are provided by Charles Schwab Investment Advisory, Inc. (“CSIA”), a registered investment advisor. CSIA and Schwab are subsidiaries of the Charles Schwab Corporation.

Schwab Intelligent Advisory charges no commissions or account service fees. Schwab affiliates do earn more revenue from the underlying assets in Schwab Intelligent Portfolios accounts. The revenue comes from managing Schwab ETFs and providing services relating to certain third party ETFs that can be selected for the portfolio, and from the cash feature on the accounts. Revenue may also be received from the market centers where ETF trade orders are routed for execution.

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.

Satisfaction Guarantee

If you are not completely satisfied for any reason, at your request Charles Schwab & Co., Inc. (“Schwab”), Charles Schwab Bank ("Schwab Bank"), or another Schwab affiliate, will refund any eligible fee related to your concern within the timeframes described below. Two kinds of “Fees” are eligible for this guarantee: (1) asset‐based “Program Fees” for the Schwab Private Client (“SPC”), Schwab Managed Portfolios (“SMP”), Schwab Intelligent Advisory (“SIA”), and Managed Account Connection (“Connection”) investment advisory services sponsored by Schwab (together, the “Participating Services”); and (2) commissions and fees listed in the Charles Schwab Pricing Guide for Individual Investors and the Schwab Bank Deposit Account Pricing Guide (together, "Account Fees"). Program Fee refund requests must be received no later than the next calendar quarter after the Fee was charged. Account Fee refund requests must be received within one year of the date that the Fee was charged.

Program Fees are calculated as a percentage of eligible assets in Participating Service accounts. For more information about Program Fees, please see the disclosure brochure for the Participating Service, made available at enrollment or any time at your request. The Connection service includes only accounts managed by Charles Schwab Investment Advisory, Inc., an affiliate of Schwab. The guarantee does not cover Program Fees for accounts managed by investment advisors who are not affiliated with Schwab or managed by Schwab‐affiliated advisors outside of the SPC, SMP, SIA and Connection services.

The guarantee is only available to current clients. Refunds will only be applied to the account charged and will be credited within approximately four weeks of a valid request. No other charges or expenses, and no market losses will be refunded. Other restrictions may apply. Schwab reserves the right to change or terminate the guarantee at any time.

Charles Schwab received the highest numerical score in the J.D. Power 2016-2018 Full Service Investor Satisfaction Study. 2018 study based on 4,419 total responses from 18 firms measuring opinions of investors who used full-service investment institutions, surveyed November-December 2017. Your experiences may vary. Visit jdpower.com.

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