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Making Financial Planning More Accessible

Time and time again, investors with a financial plan say it helps them save regularly, better manage their debt and achieve greater wealth. Indeed, research has shown that those who have a plan and stick with it achieve three times more wealth than those without a plan.1 So why don’t more of us have one?

According to Schwab’s 2019 Modern Wealth Survey—which tracks how well Americans across the wealth spectrum are planning, managing and engaging with their money—only 28% of people have a written financial plan. Of those respondents without a plan, nearly half believe they don’t have enough money to warrant one, while others assume the planning process is too complex or time-consuming.

That’s why we launched Schwab Intelligent Portfolios Premium. It combines the powerful automated investing technologies behind Schwab Intelligent Portfolios® with unlimited one-on-one guidance from a Certified Financial Planner™ professional who can help prioritize your saving goals and create a personalized plan for reaching them.

Schwab Intelligent Portfolios Premium is subscription-based: After a one-time planning fee, there’s a monthly subscription similar to what you might pay for music and movie services. Everyone enjoys the same pricing, regardless of how much they have to invest.

The sooner you get started on your financial plan, the better. For your future, please consider taking the next step today.

Sincerely,

Walt Bettinger

President & CEO

1Annamaria Lusardi and Olivia S. Mitchell, Financial Literacy and Planning: Implications for Retirement Wellbeing, National Bureau of Economic Research, 05/2011.

What You Can Do Next

Ready to create your financial plan? Get started today when you enroll in Schwab Intelligent Portfolios Premium™.

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Important Disclosures

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.  

Brokerage Products: Not FDIC-Insured · No Bank Guarantee · May Lose Value

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.

The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.

All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.

Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.

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