Financial Planning & Wealth Management Services

What's financial planning?

It's a personalized roadmap to help you reach your financial goals. Whether you're saving for a single goal like retirement or want comprehensive planning and wealth management, Schwab can help.

Why it's important

Financial planning helps you understand where you are today. It also creates a roadmap to get you where you want to be.

How Schwab can help you reach your financial goals

It doesn't matter if you're new to investing or have years of experience. Schwab has the tools, guidance and support you'll need.

Complimentary Financial Plan

Schwab like USAA believes saving for retirement is one of the most important goals you can have. That's why Schwab offers a complimentary financial plan with every Schwab account.
Calculator and Tools

Saving for college or rethinking retirement? Schwab's calculators and planning tools can get you quick answers to your financial questions.
24/7 Support

Get award-winning service and investment advice at more than 400 locations, online and phone support, and access financial advisors who support USAA member needs.

Learn moreHow Schwab can help you reach your financial goals

Creating your complimentary retirement financial plan

Schwab offers a complimentary digital financial plan to help you reach your retirement goals. Here's how it works.

Step 1: Answer a Few Questions

Give some insights about your retirement goals and your finances.
Step 2: Test Your Plan

Let the interactive tool show you the probability of reaching your goals and impact of adjusting your plan.
Step 3: Review Your Plan

Let Schwab help you understand your plan and take action.

New to investing?

If you're not sure where to start, consider Schwab Intelligent Portfolios. Schwab's robo-advisor will build a diversified portfolio tailored to your needs.

Plus, you'll get automatic monitoring and rebalancing as well as 24/7 access to U.S.-based support professionals.

Learn about Schwab Intelligent Portfolios

Professional guidance to create a personalized plan and strategy.

Schwab offers managed investment services to support your financial planning. Investment minimums depend on the service selected but start at $25,000.

A Schwab consultant will review any fees and commissions with you that may apply. So you'll understand exactly what you're paying for.

Schwab Intelligent Portfolios Premium®

In addition to all the features of Schwab Intelligent Portfolios®, you'll get:

Unlimited one-on-one guidance from a Certified Financial Planner CFP™.
Interactive financial planning tools, and a personalized roadmap for reaching your goals.

Learn more

One-on-one advice

Get personalized advice from a dedicated Financial Consultant who can help with:

Creating a financial plan tailored to your financial needs and goals.
Selecting the right level of services and connect you to specialists for more complex needs.

Learn more

Why Schwab?

For more than 50 years, Schwab has been there for investors and shares our commitment to meeting your needs and championing your financial goals with integrity.

Whether you're just getting started, or have a well-established portfolio, at Schwab you can invest the way you want with these benefits.

Low Cost and Transparent Fees
- $0 commissions for online, listed equity trades^{See note1}
- $0 account minimums
- $0 account maintenance fees
More Investing Choices
- Manage your own investments.
- Work with a dedicated advisor.
- Automate your investing.
Satisfaction Guaranteed
- If for any reason you're not satisfied^{See note2}, they'll refund your fee or commission.
- You won't find that kind of promise everywhere, but you'll find it at Schwab.

Start investing at Schwab

Financial planning FAQ

What are the basics of retirement planning?

Where can I learn more about financial planning?

Discover more investing resources.

You can invest confidently when you brush up on investing basics and get familiar with your options.

See investing education and resources

Related resources

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Important Information from USAA Investment Services Company (ISCO):

Review our relationship with you in our Relationship Summary.

ISCO is not a client of Schwab. ISCO is compensated by and has an incentive to promote Schwab. However, these costs are not passed on to USAA members. Download USAA's Referral Arrangement Disclosure.

Learn more about USAA Investment Services Company or Charles Schwab on FINRA's BrokerCheck website.

Investment and Insurance Products are:

Not Insured by the FDIC or Any Federal Government Agency
Not a Deposit or Other Obligation of, or Guaranteed by, the Bank
Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

Investing involves risk, including potential loss of principal.

Note 1 Standard online $0 commission does not apply to over-the-counter (OTC) equities, transaction-fee mutual funds, futures, fixed-income investments, or trades placed directly on a foreign exchange or in the Canadian market. Options trades will be subject to the standard $0.65 per-contract fee. Service charges apply for trades placed through a broker ($25) or by automated phone ($5). Exchange process, ADR, and Stock Borrow fees still apply. See the Charles Schwab Pricing Guide for Individual Investors for full fee and commission schedules.

Note 2 If you are not completely satisfied for any reason, at your request Charles Schwab & Co., Inc. ("Schwab"), Charles Schwab Bank, SSB ("Schwab Bank"), or another Schwab affiliate, as applicable, will refund any eligible fee related to your concern. No other charges or expenses, and no market losses will be refunded. Refund requests must be received within 90 days of the date the fee was charged. Schwab reserves the right to change or terminate the guarantee at any time. Go to www.schwab.com/satisfaction to learn what's included and how it works.

This site is designed for U.S. residents. Non-U.S. residents are subject to country-specific restrictions.

USAA Investment Services Company (ISCO), a registered broker-dealer and a registered investment adviser, provides referral and marketing services on behalf of Charles Schwab & Co., Inc. (Schwab), a dually registered investment adviser and broker-dealer. Schwab compensates ISCO for these services.

Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

All third party trademarks are the property of the respective owners and are used by USAA with permission.

Important Information from Schwab:

While consultations with Financial Consultants (Financial Solutions Branch) are complimentary, the implementation of any recommendations made in the course of these services may result in trade commissions or other fees, charges, or expenses. There are certain eligibility requirements for working with a dedicated representative. Go to schwab.com/representative-compensation for compensation information.

Please read the Schwab Intelligent Portfolios Solutions disclosure brochures for important information, pricing, and disclosures related to the Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium programs.

Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium® are made available through Charles Schwab & Co., Inc. ("Schwab"), a dually registered investment adviser and broker-dealer. Portfolio management services are provided by Charles Schwab Investment Management, Inc. ("CSIM"). CSIM is the investment adviser for Schwab Funds and receives management fees on Schwab ETFs. Schwab and CSIM are affiliates and subsidiaries of The Charles Schwab Corporation.

The Charles Schwab Corporation provides a full range of brokerage and financial advisory services through its operating subsidiaries. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (Member SIPC), offers investment services and products, including Schwab brokerage accounts. Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons.

All expressions of opinion are subject to change without notice in reaction to shifting market, economic or geopolitical conditions.

The projections or other information generated by Schwab Plan™ regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results.

The information here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. Each investor needs to review an investment strategy for his or her own situation before making any investment decision.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

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FINANCIAL PLANNING SERVICES

Take control of your financial future.

What's financial planning?

Why it's important

How Schwab can help you reach your financial goals

Complimentary Financial Plan

Calculator and Tools

24/7 Support

Creating your complimentary retirement financial plan

Step 1: Answer a Few Questions

Step 2: Test Your Plan

Step 3: Review Your Plan

New to investing?

Professional guidance to create a personalized plan and strategy.

Schwab Intelligent Portfolios Premium®

One-on-one advice

Why Schwab?

Low Cost and Transparent Fees

More Investing Choices

Satisfaction Guaranteed

Financial planning FAQ

Discover more investing resources.

Related resources

How to establish your first financial plan

5 questions to ask your financial advisor about retirement

Investing for beginners: A detailed guide

Your future deserves a plan.