Explore Rose's story.*
See how Schwab Wealth Advisory™ could potentially help someone like Rose smoothly transition into retirement, navigate tax concerns when purchasing a home, manage her hard-earned 401(k) assets, and establish a lasting legacy for her loved ones.

About Rose

Meet Rose, 61, a recently retired oil and gas executive living in California with $7.9 million in assets under management at Schwab. She is divorced with two adult children, ages 32 and 22, and a granddaughter. While excited about this next stage of her life, she also had a lot of questions for her Wealth Advisor about her finances and managing her wealth:
- Could she afford a new home?
- Was there anything she could do to limit the amount she'd pay in capital gains taxes?
- What was the best way for her to provide a lasting financial legacy for her adult children and granddaughter?
- What was the most financially sound way she could make regular gifts to her family members and charitable organizations?
- What was the best course of action for her 401(k)?
- What should be done with her concentrated positions in her company's stock?
Estate planning
Rose* wanted to determine the most efficient way to make regular gifts to family members now, while ensuring that her overall estate plan was set up to minimize taxes and provide for her heirs in the future.
Estate planning is about more than assets.
See how our personalized approach can help make things easier for the people you love.

Contact your Schwab Financial Consultant or connect with us to learn more.
Tax planning
Rose* wanted to understand her options regarding the appreciated company stock she had in her 401(k) and learn about other options to potentially improve the tax efficiency of her overall portfolio.
Banking and credit management
Rose* wanted to buy a new home but was worried about selling her appreciated securities to pay for the home and the potential tax consequences that could follow.
Charitable giving
Rose* wanted help with ideas that she could consider to potentially help make her charitable donations more tax-efficient while maintaining her overall financial plan.
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