Financial Solutions

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


  • Digitally open managed accounts

    Utilize digital onboarding to open and fund new accounts on the Managed Account Select® and Managed Account Access® platforms, including Schwab Personalized Indexing™, a customizable direct indexing offer that is now a fully digital experience. 

    You will enjoy:

    • Reduced errors from a typical re-work rate of 33% for paper forms to less than 5% with the digital tool
    • Faster processing
    • Funding within the experience without ever leaving the workflow
  • Help your clients get ahead of rising rates

    Are your clients considering a home purchase? We're here when they're ready to buy with competitive home lending rates, discounts, and 1:1 support and guidance.

    Click below to learn more about this valuable service you can provide your clients.

  • Announcing the new Schwab Institutional No Transaction Fee Fund Platform on Schwab Advisor Center

    We are excited to announce our new Institutional No Transaction Fee (INTF) fund platform, offering institutional shares of over 900 funds from 16 asset managers without transaction fees, including over 130 funds already available on the INTF fund platform from T. Rowe Price. 

    To see all INTF funds, go to the Quick Screens section of the Research tab on Schwab Advisor Center and select Institutional No Transaction Fee.


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 priced2 variable annuities, one from Protective Life and the other from Pacific Life, 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.

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.3

  • 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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  • Serving family offices

    Give your wealthy families the elevated service they expect and the sophisticated products they need, all backed by Schwab's expertise in serving family offices.

  • Technology

    Put clients first with a flexible approach that combines our comprehensive proprietary digital platform, third-party integration, and industry-leading expertise.

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1. Guarantees subject to the financial strength and claims-paying ability of the issuing insurance company, not Schwab.

2. Base annuity costs (mortality, expense and administration charges) are 0.25% (0.45% with the guaranteed return of purchase payments death benefit) on the Schwab Genesis Advisory Variable AnnuityTM and 0.45% (0.60% with the Return of Investment death benefit) on the Pacific Advisory Variable Annuity, as compared to the industry average of 1.15%, according to a August 13, 2021 Morningstar survey of 3,037 variable annuities. This does not include fees associated with the underlying investment options or optional guaranteed lifetime withdrawal benefit rider.

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

Schwab Personalized Indexing is available through Schwab's Managed Account Connection® program ("Connection"). Please read Schwab's disclosure brochure for important information and disclosures relating to Connection and Schwab Managed Account Services.

Please refer to the Charles Schwab Investment Management, Inc. disclosure brochure for additional information.

Portfolio Management for Schwab Personalized Indexing™ is provided by Charles Schwab Investment Management, Inc., dba Schwab Asset Management, a registered investment adviser and an affiliate of Charles Schwab & Co., Inc. ("Schwab"). Both Schwab Asset Management and Schwab are separate entities and subsidiaries of The Charles Schwab Corporation. 

Variable annuities are registered products that are sold by prospectus only. Prospectuses can be obtained by calling 888-667-2145 (option 2). Before purchasing, investors should carefully read the prospectus and consider its investment objectives and all risks, charges, and expenses associated with the annuity and its investment options.

Variable annuities are long-term investments intended for retirement planning and involve market risk and the possible loss of principal. Any withdrawals prior to 59½ may be subject to income tax and a 10% federal tax penalty. Investments in variable annuities are subject to fees and charges from the insurance company and the investment managers.

Because a variable annuity's value will fluctuate depending on the performance of the underlying portfolios, an investor's units, when redeemed, may be more or less than the original amount invested. 

Charles Schwab & Co., Inc. is a licensed insurance agency and distributes annuity contracts and other insurance products that are issued by leading insurance companies that are not affiliated with Schwab. Not all products are available in all states.

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

Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Brokerage products offered by Charles Schwab & Co., Inc. (Member SIPC) are not insured by the FDIC, are not deposits or obligations of Charles Schwab Bank, SSB and are subject to investment risk, including the possible loss of principal invested. 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 Rocket Mortgage, LLC. Rocket Mortgage LLC., is not affiliated with The Charles Schwab Corporation, Charles Schwab & Co., Inc. or Charles Schwab Bank, SSB. Deposit and other lending products are offered by Charles Schwab Bank, SSB, Member FDIC and Equal Housing Lender.

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.

Schwab receives marketing and promotional compensation from T. Rowe Price for our promotion of their mutual funds to clients of registered investment advisors that custody assets at Schwab, and for providing additional marketing support to T. Rowe Price.  Schwab receives various fees for the recordkeeping, shareholder services and other administrative services that Schwab provides to other no transaction fee funds, including certain institutional share classes that are available with no transaction fee to investors at Schwab. Fees are discussed more fully here.

Third party trademarks are the property of their respective owners and used with permission. Third party firms and their employees are not affiliated with or employees of Schwab.