Financial Solutions

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


  • Open and fund a new Schwab Personalized Indexing™ account digitally

    Digital onboarding is now available to open and fund new Schwab Personalized Indexing™ (SPI) accounts. This direct indexing solution from Schwab Asset Management™ offers greater control over investments with lower minimums than the industry standard.

    When onboarding a new account in a SPI managed account strategy, you'll enjoy:

    • Expanded exclusion capabilities managed through a digital maintenance workflow
    • Advisor and client dashboards that make it easy to review account and tax details

    Hear from Omar Aguilar, Managing Director, CEO and CIO of Schwab Asset Management™ about the features and benefits of SPI.

  • Deepen client relationships with tax-smart charitable conversations

    You may want to initiate charitable planning discussions with your clients, especially if they're facing extraordinary taxable events this year. With your guidance, they can give more and ease their tax burden, expanding your role as a trusted advisor. Everyone wins.

    Learn more about incorporating charitable planning into your wealth management approach.

  • New funds now available as part of Schwab's Institutional No Transaction Fee offer

    Allspring, BNY Mellon Funds, Calamos, DWS, Glenmede, MFS, and Neuberger Berman are now available as part of Schwab's Institutional No Transaction Fee (INTF) offer. They join more than 1,000 institutional funds from more than 20 other asset managers, including T. Rowe Price. The full list of available INTF funds can be found here.

    To learn more, visit our INTF page.


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, mutual funds and institutional no transaction fee (INTF) 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 investment-strategies.

  • Variable annuities

    We offer two competitively priced1 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.

  • Securities Lending Fully Paid

    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.

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 a Schwab brokerage account, offers the convenience of managing everyday cash and expenses, as well as an easy way to move money*.

  • Lending solutions

    Offer your clients holistic 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.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 Workplace Financial 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.

(1023-3TXR, 1023-32BB, 0224-EJ5T, 0424-R49E, 0424-V4BZ)

1. 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 1.29%, according to a February 21, 2024 Morningstar survey of 2,386 variable annuities. This does not include fees associated with the underlying investment options or optional guaranteed lifetime withdrawal benefit rider.

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

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

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. 

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

Strategies that use screening to exclude certain investments may not be able to take advantage of the same opportunities or market trends as strategies that do not use screens. There can be no assurance that the strategies will achieve their desired outcomes. Each investing strategy brings with it its own set of unique risks and benefits.

The extent to which holdings can be personalized is subject to account type and investment management guidance. All accounts may exclude up to three securities.

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 mutual fund 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. 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 it would if the share class were made available with a transaction fee.

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.

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.

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.

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.

The Pledged Asset Line is an uncommitted demand line of credit provided by either Charles Schwab Bank, SSB, or Charles Schwab Premier Bank, SSB. Entering into a Pledged Asset Line and pledging securities as collateral involves a high degree of risk. As a non-purpose line of credit, proceeds may not be used to purchase securities, pay down margin loans, or be deposited into any brokerage account. See for more details. Before you decide to apply for a Pledged Asset Line, make sure you understand the risks. A Pledged Asset Line requires a brokerage account at Charles Schwab & Co., Inc.

*The Schwab Bank Investor Checking account is available only as a linked account with a Schwab One brokerage account, which offers the convenience of managing everyday cash and expenses, as well as an easy way to move money.

Schwab Charitable™ does not provide specific individualized legal or tax advice. Please consult a qualified legal or tax advisor where such advice is necessary or appropriate.

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

Schwab Charitable Fund is recognized as 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. Contributions made to Schwab Charitable Fund are considered an irrevocable gift and are not refundable. Once contributed, Schwab Charitable has exclusive legal control over the contributed assets.