Financial solutions
Our financial solutions are part of a broader set of wealth services that bring banking, lending, trust services, trading, and asset management under one roof. Backed by experienced support teams, these flexible solutions help you deliver whatever clients bring your way.
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.
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.
Already a Schwab client?
Whether you're looking for a wealth services solution or something else, check with us first. Because if it helps your practice and your clients, Schwab (probably) does it. Reach out to your Schwab team to learn more.
Ready to see what Schwab can do for you?
When financial solutions are integrated, you have more time to focus on your clients, your firm, and your future. Let us know what questions you have about our wealth services or the independent RIA model.
Schwab may receive compensation from sponsors or issuers of third-party exchange-traded products (ETPs)—including exchange-traded funds (ETFs) and exchange-traded notes (ETNs)—or from their affiliates, advisers, or service providers for administrative and shareholder services, including platform technology and infrastructure, trading and transactional support, shareholder communications, educational resources, and data and reporting.
Compensation arrangements are established individually with each sponsor and will be implemented as providers join the program. The amount, structure, and timing of the compensation vary by agreement and may include flat fees, asset-based fees on the value of ETP assets held at Schwab, or other negotiated fee structures. Compensation agreements may differ across sponsors and products.
Schwab does not receive these platform-related payments from Schwab-sponsored ETFs.
Additional information about Schwab's financial and other relationships with ETFs is available here: Schwab's Financial and Other Relationships.
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™ 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.