Financial solutions
Explore the breadth of our open-architecture investment solutions to help address your clients' needs.
Spotlight
Open new doors with alternative investments
Help sophisticated clients pursue their investment objectives with solutions available on our alternative investment platforms that include private equity, real estate, and other private market strategies. Our platforms provide access to streamlined solutions for you and your clients.
A bank designed for the way you do business
Our award-winning bank offers streamlined banking and lending that work seamlessly with how you support your clients. We give you more ways to help you manage your clients' assets while helping them reach their goals—all while you remain focused on growing and managing your practice.
Deepen client relationships with tax-smart charitable planning
Now may be a good time to start talking to clients about charitable giving. You can help them give more strategically with a donor-advised fund (DAF) account. DAF accounts offer a simple way to boost your clients' giving power while easing their tax burden, strengthening your role as a trusted advisor.
Investment solutions
Our spectrum of investment solutions gives your clients the flexibility they want with the support they need.
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Health Savings Brokerage Accounts (HSBAs)
The Schwab Health Savings Brokerage Account (HSBA), an investment feature available within a Health Savings Account (HSA), provides access to thousands of investment choices and allows clients to appoint their advisor to manage the investments.
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Equities and options
Explore domestic and global equity markets with our open-architecture platform, backed by tools and resources to assist you with researching and monitoring equity investments.
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Exchange-traded funds & mutual funds
Access a wide range of ETFs and mutual funds, including institutional no transaction fee (INTF) funds, through our open-architecture platform, backed by the tools and resources you need to research, compare, and select funds.
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Fixed income
Leverage our comprehensive platform for fixed income investing and a team of specialists to help locate a wide selection of rates and maturities.
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Managed accounts
Access a broad range of money managers, backed by tools and resources to assist advisors with researching and monitoring these investment strategies.
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Variable annuities
Explore two variable annuities from well-known carriers that offer a wide selection of professionally managed investment choices and may provide unlimited, tax-deferred growth potential.
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Alternative investments
Convenient access to a wide range of alternative investments can help you to build customized portfolios based on your clients' goals and liquidity needs.
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Education investing
Find convenient ways to save for education expenses in a tax-advantaged way, with proceeds withdrawn tax-free when used for qualified education expenses.
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Securities Lending Fully Paid¹
Help your clients earn additional monthly income by loaning their eligible shares to other investors or financial institutions when there is a demand for them. In exchange, they will receive interest based on this demand.
Tailored client services
Maximize your possibilities with our advanced custodial support. Use our broad range of customizable solutions to enhance your capabilities and increase your options.
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Charitable giving
Help clients make a greater charitable impact with a simple, tax-smart donor-advised fund (DAF) account at DAFgiving360™.
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Business solutions
Enhance the way you serve your business owner clients with flexible retirement, equity awards, and stock purchase plans from Workplace Services.
Ultra-high-net-worth
Access tools and resources designed to help you provide exceptional guidance to wealthy individual and institutional clients. Backed by our open-architecture platform, our broad range of products and personalized services are supported by specialists who can help you choose solutions that best align with your clients' needs.
Charles Schwab & Co., Inc. (member SIPC) receives remuneration from fund companies participating in the institutional no transaction fee (INTF) platform for recordkeeping and shareholder services, and other administrative services. Schwab receives greater remuneration on institutional share classes that participate in INTF than institutional share classes that are available with a transaction fee. Institutional NTF funds may be available on the retail platform with a transaction fee.
Alternative investments, including funds that invest in alternative investments, are risky and may not be suitable for all investors. An investment in any offering made available through any third-party platform is speculative and involves a high degree of risk. Investors may lose all or a substantial portion of their investment. Alternative investment often employ leverage and other speculative practices that increase an investor's risk of loss, often charge high fees, may require investors to satisfy capital calls, and can be highly illiquid and volatile. These investments may lack diversification, involve complex tax structures and have delays in reporting tax information.
Demand and pay rates vary by security and over time. Schwab may terminate a loan at any time. Shares loaned out are not protected by SIPC. However, Schwab will maintain cash as collateral, which will amount to at least 100% of the loan. In the unlikely event of Schwab filing for bankruptcy, you can draw on this collateral, which may be the only source of resolution. Each security will have its own lending rate based on demand. The annualized lending interest rate is a portion of the total interest earned on the loaned shares. Shares on loan often support short trading strategies.
1. Enrollment in the program is subject to approval. Not all clients will qualify. Employer-sponsored retirement plan accounts like 401(k)s are not eligible under ERISA rules. Clients must meet specific appropriateness requirements in order to be eligible to enroll in the program.
Clients receive cash collateral held at Charles Schwab Trust Company (CSTC) for the securities loaned, which is at least equal to the securities' market value as of the prior day's market close.
Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Brokerage products and services, including the Schwab One brokerage account, are offered by Charles Schwab & Co., Inc., Member SIPC. Deposit and lending products are offered by Charles Schwab Bank, SSB, Member FDIC and an Equal Housing Lender.
DAFgiving360 does not provide legal or tax advice. Please consult a qualified legal or tax advisor where such advice is necessary or appropriate.
DAFgiving360™ is the name used for the combined programs and services of Donor Advised Charitable Giving, Inc., an independent nonprofit organization which has entered into service agreements with certain subsidiaries of The Charles Schwab Corporation. DAFgiving360 is a tax-exempt public charity as described in Sections 501(c)(3), 509(a)(1), and 170(b)(1)(A)(vi) of the Internal Revenue Code.