Wealth services designed for how you work?
Schwab does that.
Life is complicated, but how you manage your clients' wealth shouldn't be. That's why we offer solutions and tools that make it easier for you to meet your clients where they are.
Banking, trading, and asset management. All under one roof.
At Schwab, we help you serve clients better with one-stop access to an award-winning bank, a wide range of investment products, and trading strategy support, so you can tackle whatever clients throw your way.
Integrated banking
When a client is ready to act, you need to be able to respond quickly. Our banking tools are built to make cash and credit easy to integrate. You control the strategy; we clear the path so money can move.
Straightforward trading
Everyday trades should feel straightforward. Complex trading strategies should feel...not so complex. Access to knowledgeable specialists combined with an intuitive trading platform helps you navigate everything from basic orders to more advanced strategies.
Streamlined asset management
You already know how you want to invest for your clients. Our job is to help you do it—for more households, with less complexity, and without stretching your team to the limit. That support scales with your firm, so you don't outgrow our platform.
Ready to see what Schwab can do for you?
When your banking, trading, and asset management solutions are all under one roof, you have more time to focus on what matters most: your clients, your firm, and your future. Let us know what questions you have about Schwab or the independent RIA model.
Already a Schwab client?
Whether you're looking for a wealth management solution or anything else, check with us first. Because if it helps you run your firm and serve your clients, Schwab (probably) does it.
Reach out to your Schwab team and let's talk about what we can do for you.
Investment and Insurance Products Are: Not FDIC Insured • Not Insured by Any Federal Government Agency • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or any of its Affiliates • Subject to Investment Risks, Including Possible Loss of Principal Amount Invested
1. Annual average cycle time as of 2025 was 1.2 days.
2. Model Market Center™ (MMC) is a web-based offering available to independent investment advisors that custody assets at Charles Schwab & Co., Inc. (Schwab) and use the iRebal® platform available on Schwab Advisor Center for account rebalancing and trading. Schwab is a registered investment advisor and a subsidiary of The Charles Schwab Corporation. Please refer to Schwab's disclosure brochure for important information and disclosures relating to MMC.
Material made available through MMC is provided by affiliated and unaffiliated model managers (Model Managers) and information providers. Schwab has not paid for or been involved in the preparation of the content, and has not verified, endorsed, or approved the content. Schwab assumes no responsibility for any fact, recommendation, opinion, or advice contained in any such model portfolio or materials and expressly disclaims any responsibility for any investment decisions or for the suitability of any security or transaction based on it. Any mention of specific Model Managers and/or models should not be considered a recommendation or endorsement from Schwab. Schwab reviews Model Managers for eligibility criteria and conducts operational due diligence on the unaffiliated model managers but does not approve or review the models that Model Managers seek to include on MMC. Schwab does not conduct any investment due diligence of models or review or verify the accuracy or adequacy of information regarding Model Managers' MMC models. Users of MMC are responsible for selecting MMC models and implementing investments that meet their advisory clients' investment needs through their own, independent research and due diligence.
Schwab and Informa Business Intelligence, Inc. are separate, unaffiliated companies. Schwab and Informa Business Intelligence, Inc. are not responsible for each other's opinions, policies, and services. Certain model attributes are sourced from Informa PSN. The PSN Data Set is supplied by Zephyr, a Division of Informa Business Intelligence, Inc. The PSN Data Set may not be copied or distributed. It is not warranted to be accurate, complete, or timely.
Schwab typically receives remuneration from ETFs and mutual funds and/or their managers that participate in MMC for administrative and/or other services.
MMC leverages iRebal® to provide independent RIAs access to model portfolios provided by Model Managers.
Investing involves risk, including loss of principal.
Charles Schwab & Co., Inc., and Charles Schwab Bank, SSB are separate but affiliated subsidiaries of The Charles Schwab Corporation. Deposit and lending products are offered by Charles Schwab Bank, SSB, Member FDIC and an Equal Housing Lender.
The Pledged Asset Line is a demand line of credit provided by Charles Schwab Bank, SSB. 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.
Entering into a Pledged Asset Line and pledging securities as collateral involves a high degree of risk. You are pledging securities, the value of which is affected by events outside your control. Market fluctuations may cause the value of your pledged assets to decline. In addition, Schwab Bank, in its sole discretion, will determine at any time the eligible collateral criteria and the loan value of collateral. The Pledged Asset Line is uncommitted and Schwab Bank may demand full repayment at any time for any reason or no reason. In addition, if the loan value of collateral is insufficient to satisfy the minimum credit facility size or to support the outstanding loans, Schwab Bank may demand immediate payment of all or any portion of the outstanding obligations, or require additional cash or securities be pledged; otherwise Schwab Bank may immediately sell some or all of the pledged securities without further notice to you, which may result in tax consequences.
A Pledged Asset Line requires a brokerage account (a "Pledged Account") at Charles Schwab & Co., Inc. and sufficient eligible collateral to support a minimum credit facility size of $100,000. Schwab Bank is not acting or registered as securities broker-dealers or investment advisors.
All loans are subject to credit and collateral approval. Before you decide to apply for a Pledged Asset Line, make sure you understand the risks.
When a Pledged Asset Line® (PAL) is secured by a managed account, certain restrictions may apply. During a maintenance event an account may no longer be managed in accordance with the client's stated objectives and/or meet the eligibility requirements. In such cases, the account may be unenrolled from the managed investing program.