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Why Planning Matters

In our performance-obsessed world, winners get a lot of attention—in sports, in the media and certainly in investing. Many people fixate on the top-performing fund or the next big stock, sometimes at the expense of their long-term goals.

Of course, if you’re fortunate enough to pick the outperformers, it might help you realize significant returns, but in my experience, few people are able to do so consistently. Rather, they invest to fund a financial milestone—whether it’s college, a second home or a lasting retirement portfolio.

That’s why we’re such huge proponents of planning. Creating a blueprint—and sticking to it—is one of the best ways to ensure long-term success, regardless of what economies or markets are doing at any given moment. Yet, according to the Certified Financial Planner Board of Standards and the Consumer Federation of America, nearly two-thirds of U.S. investors lack a basic financial strategy1—which may be why we’re so easily tempted into investments that don’t align with our goals or appetite for risk.

At Charles Schwab, we’ve worked hard to make financial planning easier—by increasing the number of Certified Financial Planner™ (CFP®) professionals in our branches, and by introducing Schwab Intelligent Advisory™, which pairs the automation of Schwab Intelligent Portfolios® with the financial guidance of a CFP; visit for more on this innovative program.

If you don’t yet have a financial plan, give us a call. We’d be honored to help you help you look beyond short-term temptations  in pursuit of your long-term goals. 

Walt Bettinger
President & CEO

1Financial Planning Profiles of American Households: The 2013 Household Financial Planning Survey and Index, 09/18/2013.

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Important Disclosures

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.

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 adviser. Please refer to the disclosure brochures for details about Schwab Intelligent Advisory. Free credit balances are swept into deposit accounts at Charles Schwab Bank (“Schwab Bank”). Brokerage products and accounts are offered by Schwab, Member SIPC. Deposit and lending products are offered by Schwab Bank, Member FDIC and an Equal Housing Lender. Schwab, CSIA and Schwab Bank are separate but affiliated companies and are subsidiaries of The Charles Schwab Corporation.


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