Perspectives

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Build your business and stay ahead of trends with fresh perspectives and useful insights

9 behavioral science ideas to achieve better outcomes for clients
Advisors can explore the big ideas underpinning behavioral finance and learn new ways to motivate clients by taming their emotional "elephants."

5 influencing styles—and how to use them effectively
Experts find that most of us rely on one of five primary influencing styles, which is inherently limiting. Discover your influencing style, how to identify the styles of others, and when to adjust the way you communicate.

How having the right business intel can help boost your firm's health
Do you check your firm's vital signs? See how Westmount Asset Management uses comparative data to improve the health and strength of their business.

New tax plan: what you and your clients should know
Hear from Schwab’s Washington insider, Michael Townsend, on the new tax law. Understand key changes so you can anticipate top-of-mind concerns from your clients.

2018 Schwab Market Outlook: It's getting late
Get perspectives from the Schwab Center for Financial Research to help inform your client conversations.

From Lincoln to FDR: 8 leadership traits that transcend time
What leadership qualities do you share with Abraham Lincoln, Teddy Roosevelt, and Franklin Roosevelt? Discover the eight traits of great leaders from historian Doris Kearns Goodwin and consider how to use them to guide your firm and build client trust.

Forward-thinking firms: Meet the 2017 IMPACT Awards® winners
See how the 2017 IMPACT Award winners position themselves for success.

Play to your strengths: How building a targeted offer can spur growth
How can you capitalize on your firm’s strengths to generate new business? Bridgewater Wealth & Financial Management shares insights from its experience launching Her Wealth, an initiative targeting the clients it serves best.

Help clients maximize charitable giving in 2017 amid recent events
Recent disasters, possible tax reform, and other factors may inspire a historic year for charitable giving. Guide your clients on the best ways to give before year-end.

Two scam attempts, diligent employees: $500k in client assets protected
Employees are your first line of defense against fraud. Learn how one employee detected and escalated suspicious activity—outwitting the fraudsters.

Intentional networking: Be more strategic with 3 simple steps
Networking offers so much more than just prospecting for new business. Tap into these techniques to help you cast a wider net and connect with the right people to bring value to your firm.

RIA Washington Watch: Tax reform moves to the front burner
Expect delays: Schwab’s Michael Townsend maps out the potential detours ahead for tax reform law and the fiduciary rule.

Tech decisions: Avoid chasing trends—adopt solutions that fit
Paralyzed by technology decisions? Don’t overthink it. Hear how two firms found ways to drive the process forward.

5 reasons to join us at IMPACT® in Chicago
IMPACT offers intel on the topics that matter most to your business—wealth management, fintech, legacy planning and more. But it’s also a great opportunity to get inspired, make new connections and even get a professional video made! Discover how the industry’s largest gathering of forward-thinking advisors can help propel your business forward.

Gain an edge: Boost firm productivity in 3 key areas
Keeping up with job demands is challenging for many advisors. But success is possible. Learn how to make time for firm growth—possibly 50 more client meetings a year—by becoming more efficient.

Around the world with Ian Bremmer
Political scientist Ian Bremmer explains the likely implications of challenges to the United States’ once-preeminent role in global affairs and markets.

Building for the future: Insights from top-performing firms
Two top-performing firms share how they use their Benchmarking Study reports to approach two key growth drivers—acquiring clients and recruiting the talent to serve them.

Ian Bremmer: What does the global power shift mean for the U.S. economy?
Expert political scientist says a major geopolitical shift is elevating risk in markets around the world. Should U.S. businesses and investors be worried?

Mid-year outlook: Analysts' top market insights
What changes will the rest of 2017 bring for the investment landscape? Get perspectives from Schwab Center for Financial Research™ experts to help inform your client conversations.

Go digital: How advisors can customize and deepen client relationships
See how two advisors use digital tools to educate and connect with clients in a cost-effective and scalable way. Their advice? Don’t let the pursuit of perfection be the enemy of progress.

What do your hiring decisions say about you as a leader?
Practice Management | 7/17
At a Schwab event, Dr. Suzanne Peterson, associate professor at Thunderbird School of Global Management, talked about hiring as a strategic and symbolic act: "Who you choose to hire, not hire, and promote speaks volumes about what results are valued and what behavior is tolerated to attain results."

A quick guide to decoding body language
The ability to detect and react to split-second signals is crucial to achieving your goals. A body language expert explains how to decipher unspoken and verbal cues to win new clients, build trust, and get to the heart of the matter.

Preventing email fraud: How Canterbury Consulting is tackling the challenge
Learn how Canterbury Consulting detected an elaborate fraud scheme, and get tips for keeping your clients safe from fraudsters who might pose as them in client-advisor communications.

RIA Washington Watch: Trump’s next 100 days—deregulation and tax reform?
What can RIAs expect after the first 100 days of the Trump presidency? Michael Townsend shares his perspective.

Find the right talent: 5 approaches to try now
Get ideas from 25 high-growth firms on overcoming hiring challenges like inexperience, cultural fit, and low awareness of the RIA industry.

Engage, automate, and inspire: Ideas for a modernized client experience
As technology evolves, so do your clients’ expectations. Get inspiration from other industries to help you modernize your practices—and capture, attract, and engage investors across generations.

Ben Bernanke: Market’s rise not all predicated on U.S. fiscal policies
Former Fed Chair says the long bull market is justified by economic recovery, low interest rates, and low inflation. However, it’s not clear yet if expectations for fiscal and regulatory policy changes will be ratified, which is a risk to asset prices.

Advisor POV: How firms are tackling the challenge of cybersecurity
Compliance officers share what it took to get their firms’ cybersecurity programs up and running.

RIA industry awareness: Bringing financial services to life for young students
Texas Tech University Financial Planning Academy, sponsored by Charles Schwab Foundation, lets high school students learn directly from wealth management professionals, including independent advisors, to spark interest in a future career.

RIA Washington Watch: DOL begins process to delay fiduciary rule, but timing still uncertain
Advocacy | 3/17
Michael Townsend explains the factors and circumstances that make the future of the "fiduciary rule" extremely unpredictable. Townsend believes advisors should not count on a delay being finalized by the April 10 applicability date.

How charitable giving in 2017 may help prepare your clients for tax reform
Tax reform could go into effect as early as 2018 and may impact charitable giving. Here are two simple steps to help your clients plan ahead.

How business intelligence can help raise your game
Jonathan Beatty describes how a successful firm leverages data from Schwab’s RIA Benchmarking Study to align staffing with growth.

RIA Washington Watch: 5 themes to watch as the Trump era unfolds
Advocacy | 2/17
Confusion around the timing and substance of a possible DOL fiduciary rule delay underscores the difficulty in speculating about details of specific policies and how they might affect the markets. We think advisors should keep five broad themes in mind as the Trump administration settles in.

Cybersecurity Awareness
Cybersecurity | 1/17
We interviewed several cybersecurity experts and advisors to get guidance for developing a strong program, along with best practices for ongoing evaluation and maintenance.

Cybersecurity insights
Cybersecurity | 1/17
We interviewed several cybersecurity experts and advisors to get guidance for developing a strong program, along with best practices for ongoing evaluation and maintenance.

5 great reasons to participate in Schwab's RIA Benchmarking Study
Learn how study insights from Schwab's RIA Benchmarking Study can help you grow your firm. You’ll get eye-opening data, comparisons to your peers, and insights to help you thrive and grow amid increasing competition.

Fraudsters don't take holidays: Trends and tips to combat cybercrime
Cybersecurity | 12/16
Online criminals know when the office is scheduled to close, it may be busier—making it the perfect time to strike. Be aware of some recent fraud trends and ways you can help protect your clients and firm.

RIA Washington Watch: A new Washington, a fresh outlook on advisor issues
Advocacy | 12/16
Amid uncertain priorities, Schwab’s Washington insider, Michael Townsend, offers his view on how the incoming administration is likely to reshape the future of advising.

Get inspired: See how this year’s IMPACT Award® winners serve clients and fuel growth
Leadership | 12/16
Every year, Schwab recognizes select advisors at the forefront of pushing the RIA model forward. See how the four firms honored in 2016 are raising the bar on serving their clients–and their communities.

RIA Washington Watch special edition: Trump's upset win a new era for advisors?
Advocacy | 11/16
What does Trump's victory mean for advisors? Schwab’s Washington insider, Michael Townsend, offers his view on potential shifts in policy and regulation.

Insights shed light on how advisors are embracing digital advice
Advisors are using new technology in different ways. Find out more from firms that are using these new technologies and service models.

Longevity planning: Help clients envision new retirement realities
Dr. Joseph F. Coughlin of the MIT AgeLab reveals how longevity is fundamentally changing the face of retirement and retirement planning and shows how advisors can cut through the stress their clients feel to engage on this all-important issue.

6 smart strategies to help stressed-out clients focus on retirement
MIT AgeLab’s Dr. Joseph F. Coughlin offers tools for getting time-crunched clients to engage and take action.

RIA Washington Watch: Regulation, legislation, and the election―Impacts for advisors
Advocacy | 9/16
In advance of the most contentious presidential election in memory, Michael Townsend reviews the status of regulatory enforcement, challenges to the DOL ruling, and the implications of upcoming political transition for advisors and investors.

Introducing the Cybersecurity Resource Center
Cybersecurity | 9/16
Cybercrime within the financial advisory space is a growing concern for advisors and investors alike. Protect your firm with a five-step approach to creating your own multi-faced cybersecurity plan.

Identify untapped opportunity with charitable planning
Incorporating charitable planning services into your practice is a way to stand out from competitors and broaden relationships with key clients.

Fine-tuning your EQ to enhance decision-making, engagement, and productivity
Advisors who master the skill of regulating their emotions can build better relationships with clients and colleagues and enhance their team’s productivity. Dr. Marc Brackett of the Yale Center for Emotional Intelligence provides a set of tools to hone this skill.

5 steps to fine-tune your EQ and improve workplace performance
Dr. Marc Brackett of the Yale Center for Emotional Intelligence provides a set of tools to hone this skill to build better relationship and enhance team productivity.

The power of independence: RIAs meet the challenges of growth
As investors continue to seek independent advice, RIA firms are growing and evolving. Schwab’s 2016 RIA Benchmarking Study provides insights on the competitive strengths of the model.

Alan Greenspan: What history shows us about market volatility and human nature
Stock returns, interest rates, and economic growth—what do they all have in common? According to former Federal Reserve Chair Alan Greenspan, they all ultimately revert to historical norms because of one immutable force: human nature.

Serving next-gen: An expert’s view of what works―and what doesn’t.
Interested in serving younger investors? Alan Moore, an advisor, consultant, and Millennial himself, explains what he thinks it will take to build a successful practice serving this demographic.

9 keys to building a practice focused on next-gen investors
Advisor Alan Moore explains what he thinks it will take to be successful serving this demographic.

3 societal trends impacting your business—and what to do about them
An abundance of information and options has changed the way we communicate with each other and the world. Understanding this evolution is crucial for financial advisors as they look to make meaningful connections with clients and investors.

Accelerate your success: How talent development benefits your firm
Find out how sponsorship can enhance your talent strategy.

Regulatory change – and how you can influence it
Advocacy | 6/16
Both recent and potential regulations could have a broad-scale impact on the independent advice industry, making it more important than ever to ensure your interests are represented in Washington. Learn how you can collaborate with Schwab to help your voice be heard.

Helping you tell your story through powerful new advertising
The independent advisor model works. That’s why others are rushing to copy it. But, you're the true originals. Now, you can benefit from a new ad campaign created to help independent advisors stand apart from the competition.

RIA Washington Watch: Breaking down the DOL fiduciary rule
Advocacy | 5/16
With the long-looming DOL fiduciary rule now finalized, Michael Townsend reviews some of its key elements, possible implications for advisors and retirement plan participants, and the reaction on Capitol Hill.

Being vigilant with cybersecurity
Technology | 8/15
Ian Muir shares tips for maintaining and strengthening your firm’s approach to data security and combatting fraud attempts.

RIA industry deals at record levels: a look behind the numbers
Practice Management | 4/16
Understand the mergers and acquisitions landscape and how it might factor into your firm’s strategy for growth and legacy planning.

Your top 10 cybercrime questions answered
Technology | 4/16
Log in to Schwab Advisor Center® to explore high-impact cybersecurity questions from your peers—and the answers you need to bolster firm security.

Hiding in plain sight: Is your office space an untapped asset?
Is your office space moving your firm ahead or holding you back? See how these advisors use their business environments as tools of differentiation, and learn tips for making your own firm’s physical space a key component of the client and prospect experience.

Peer perspective: RIAs share how Benchmarking helps drive success
Practice Management | 2/16
Three advisors talk about how their firms put RIA Benchmarking Study insights into action to support firm growth and evolution.

Year-over-year value: What advisors gain from Benchmarking
Leadership | 1/16
Jonathan Beatty explores the game-changing insights that Schwab’s annual RIA Benchmarking Study brings to firms, and he explains how RIAs can tap into peer strategies to cultivate a skilled team—and their competitive advantage.

Discover what fuels this year’s IMPACT Award winners
Leadership | 1/16
Meet this year’s prestigious winners—and learn what makes them tick.

RIA Washington Watch: 2015 wrap-up and forecast for 2016
Advocacy | 1/16
Michael Townsend boils down what advisors need to know about the latest developments in Washington—including the DOL’s proposed fiduciary rule—and shares his legislative and SEC predictions for 2016.

Analysts explain why investors should feel good about 2016
Market Commentary | 12/15
Global, U.S., and political experts offer analysis and strategies to help you navigate investing trends and investor angst.

Forward motion: Accelerating from a position of strength
Leadership | 11/15
Bernie Clark reflects on industry differentiators sparking growth across the RIA channel and inspiring advisors to continue shaping their legacies.

Our approach to money market fund reform
Regulatory | 11/15
Explore the impacts of new rules governing money market funds, and learn how Schwab is responding.

Get found: Building a strong online presence for your firm
Leadership | 10/15
In the first article of a two-part series, Mary Rosai, Senior Vice President of Institutional Services Marketing at Charles Schwab, discusses how RIAs can enhance their marketing presence with clients and prospects in the digital age.

The intentional networker: Expanding your centers of influence
Practice management | 10/15
Learn how expanding your centers of influence can help you uncover key learnings for your entire team.

The tech evolution: Using the latest tools to meet changing client and business needs
Technology | 9/15
Learn how your firm can leverage evolving technology to claim more quality time with clients.

Firm of the Future: Executing a vision for continued success
Advocacy | 9/15
Independent advisors share perspective on the road ahead for firms and weigh in on the most critical opportunities for RIAs to maintain viability and sustain growth.

2015 RIA Benchmarking Study: The power of the independent advice model
Practice management | 8/15
It wasn't that long ago that Registered Investment Advisors (RIAs) disrupted the advice industry and forever altered investor expectations by scaling the delivery of high-touch, personalized advice.

Schwab goes to Washington: Advocating for the RIA industry
Advocacy | 7/15
Schwab and independent advisors visit Washington, D.C., bringing a message of industry awareness and advocacy to Capitol Hill.