Financial Solutions

Explore the breadth of Schwab's open-architecture investment product offerings and solutions to address your clients' needs.



  • Build a diversified portfolio with alternative investments

    Schwab provides access to a wide range of alternative investments that can be leveraged to build diversified portfolios to meet client needs, including the Schwab Alternative Investment Marketplace™ platform, which provides access to menus of private funds offered by third-party platform sponsors.

  • Extend value by managing client Health Savings Account (HSA) investments at Schwab

    To maximize HSA investment choices, Schwab now makes it possible to invest those savings in brokerage accounts designed for HSAs and allow for professional management through a Registered Investment Advisor.

  • 2020 is an especially good year for clients to give

    Existing tax laws, the CARES Act, and election year uncertainty make it wise to be generous now in support of extraordinary needs. Learn why you shouldn't wait until December to talk to clients about making tax-smart charitable donations.


Schwab's spectrum of investment options gives your clients the flexibility they want with the support they need.

  • Health Savings Brokerage Accounts (HSBAs)

    As health care costs continue to rise, including long-term, tax-advantaged savings strategies to meet these needs can be an important part of an investment portfolio. Schwab's HSBA makes it easier to incorporate and manage HSA savings as part of your clients' complete financial picture.

  • Equities and options

    Explore domestic and global equity markets with Schwab's open-architecture platform, backed by tools and resources to assist you with researching, monitoring, and validating equity investments.

  • Exchange-traded funds & mutual funds

    Access a wide range of exchange-traded funds and mutual funds with Schwab's open-architecture platform, backed by the tools and resources you need to research, compare, and select third-party managed investments.

  • Fixed income

    Leverage Schwab's comprehensive platform for all fixed income investing and a team of specialists to help locate a favorable combination of rates and maturities.

  • Managed accounts

    Schwab provides access to a broad range of money managers, backed by tools and resources to assist advisors with researching, monitoring, and validating these third-party investment services.

  • Variable annuities

    We offer two competitively priced1 variable annuities from Pacific Life and Great-West Financial® and support both with our Schwab Annuity Concierge Service for Advisors.

  • 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.

  • 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.

Cash management, banking & lending

You have access to a broad array of cash management, banking, and lending solutions from Schwab and Schwab Bank, letting you address your clients' needs.

  • Cash management

    Provide your clients with secure, competitive options for savings and investment cash, as well as for everyday cash. Review the products, features, and benefits of each to help you find the cash solutions that are right for your clients.

  • Bank deposit solutions

    A Schwab Bank checking account, when linked to your Schwab brokerage accounts, offers the convenience of managing everyday cash and expenses, as well as an easy way to move money.

  • Lending solutions

    Offer your clients comprehensive financial management strategies with complementary lending solutions and pledged asset lending through Schwab Bank’s lending programs.

Tailored client services

Maximize your possibilities with advanced custodial support from Schwab. Use our broad range of customizable solutions to enhance your capabilities and increase your options.

  • Personal Trust Services

    Schwab offers tools and expertise to help advisors manage personal trust assets efficiently with solutions for individual trustees and for clients seeking a corporate trustee, providing a full range of trust administrative and reporting services.2

  • Charitable giving

    Help clients give more strategically through a Schwab Charitabledonor-advised fund account—a tax-smart investment account with funds dedicated to charity.

  • Digital advice

    Combine your wealth management expertise with the power of an automated investment management technology platform using Schwab's Institutional Intelligent Portfolios®.

  • Business solutions

    Serve your business owner clients more effectively with flexible retirement, equity awards, and stock purchase plans from Schwab Corporate Services.


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 help you choose the right solutions for your clients.

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1. Base variable annuity fees of 0.30% for the Pacific Odyssey® Variable Annuity, as compared to the industry average of 1.31%, according to a September 9, 2019 Morningstar survey of 2,253 variable annuities. This does not include fees associated with underlying investment options or optional riders such as guaranteed lifetime withdrawal benefits and/or death benefits, as applicable.

2. Corporate trustee services provided by Charles Schwab Trust Company of Delaware.

Investment returns will fluctuate and are subject to market volatility, so that an investor's shares, when redeemed or sold, may be worth more or less than their original cost. Shares are bought and sold at market price, which may be higher or lower than the net asset value (NAV).

Diversification strategies do not ensure a profit and do not protect against losses in declining markets.

Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed-income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors.

Investments in managed accounts should be considered in view of a larger, more diversified investment portfolio.

Alternative investments, including funds that invest in alternative investments, are risky and may not be suitable for all investors. Alternative investments often employ leveraging and other speculative practices that increase an investor's risk of loss to include complete loss of investment, often charge high fees, and can be highly illiquid and volatile. Alternative investments may lack diversification, involve complex tax structures and have delays in reporting important tax information.

Schwab Bank
Nothing herein is or should be interpreted as an obligation to lend. Loans are subject to credit and property approval. This offer is subject to change or withdrawal at any time and without notice.

Charles Schwab Bank and Charles Schwab & Co., Inc. are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Schwab Institutional is a division of Charles Schwab & Co., Inc. Brokerage products offered by Charles Schwab & Co., Inc. (member SIPC). Charles Schwab & Co., Inc. does not solicit, offer, endorse, negotiate, or originate any mortgage loan products and is neither a licensed mortgage broker nor a licensed mortgage lender. Home lending is offered and provided by Quicken Loans, Inc., Equal Housing Lender. NMLS# 3030. Quicken Loans Inc., is not affiliated with The Charles Schwab Corporation, Charles Schwab & Co., Inc. or Charles Schwab Bank. Deposit and other lending products are offered by Charles Schwab Bank, Member FDIC and an Equal Housing Lender. Schwab Advisor Services (formerly Schwab Institutional®) includes the custody, trading, and support services for Schwab.

Schwab Charitable is the name used for the combined programs and services of Schwab Charitable Fund, an independent nonprofit organization. The Fund has entered into service agreements with certain affiliates of The Charles Schwab Corporation.