A new approach to retirement income.

We believe that an effective approach to retirement income should include these four steps:

  • Step

    Plan your spending.

    Create a financial plan based on your goals, expected spending, and how long you need your money to last.

  • Step

    Choose your investments.

    Build a diversified portfolio that takes into account your desired growth, income, risk, and timeline.

  • Step

    Tap your income sources.

    Generate a reliable income stream by tapping your entire portfolio in tax-smart ways.

  • Step

    Update your plan.

    Monitor and adjust your plan and portfolio regularly to help make sure your money lasts, regardless of life or market changes.

We have solutions to help you take these four steps.

Creating predictable tax-smart withdrawals from your investments can be a complicated, ongoing challenge. We've designed solutions to make it easier.

  • Automated investing with a predictable withdrawal - a simple way to pay yourself from your portfolio

  • Personalized wealth and retirement planning with a Schwab advisor

We also have a range of products to complement our retirement solutions.

The products below can be used to balance risk, liquidity, and predictability to meet your specific income goals.

  • Products 
  • Role in a retirement portfolio 
  • Products 

  • Role in a retirement portfolio 

    Current spending 
  • Products 

  • Role in a retirement portfolio 

    Guaranteed income 
  • Products 

    Bonds 
  • Role in a retirement portfolio 

    Short-term reserve and long-term portfolio 
  • Products 

  • Role in a retirement portfolio 

    Long-term portfolio 

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