Financial Planning

Understand where you are today and create a roadmap to get you where you want to be.

debt management espps ipos performance stock restricted stock sars stock options equity compensation fraud prevention travel planning behavioral finance budgeting trusts charitable giving credit cards education estate planning health care insurance mortgages saving security based loans small business wills
Equity Compensation

Including Equity Compensation in a Financial Plan

To maximize the value of your equity, you need to understand basic components of your award like the equity type you have, how it's taxed, and how it fits into your financial plan.

Financial Planning

9 Tips for Teaching Kids About Money

How do you foster financial independence and financial literacy among young people? Two Schwab experts share their tips.

Financial Planning

How Can You Set the Right Financial Goals?

Mark Riepe is joined by guest Cindy Scott to discuss ways you can align your vision for the future with your values and plan a path to long-term financial success.

Taxes

The Estate Tax and Lifetime Gifting

If you have a large estate, consider gifting during your lifetime as a strategy to help reduce estate taxes.

Budgeting

Moving in Together Is About Love—and Money

Moving in with your romantic partner to save money? Here are three things to talk about before you share an address.

Budgeting

Wedding Guest Sticker Shock? Here's Help.

With the cost of clothes, gifts, and travel, being a wedding guest could blow your budget. It doesn't have to. Here's how to enjoy the party and help avoid the financial pain.

Education

Saving for College: Custodial Accounts

Custodial accounts may not offer the tax benefits of 529 plans, but they can be used to fund expenses that 529 plans don't cover.

Budgeting

Are You Up for the No-Spend Challenge?

The no-spend challenge has gone viral with Millennials and Gen Z, but it could work for anyone who wants to take control of their money. Consider trying it for 30 days.

Insurance

What Is Property and Casualty Insurance? A Guide

If you own a home, car, business, or certain valuables, property and casualty insurance helps protect you against financial loss in unexpected circumstances.

Estate Planning

How to Store Estate Planning Documents

Keeping up-to-date records of important documents in an accessible place is essential to effective estate planning.

The information provided here is for general informational purposes only and is not intended to be a substitute for specific individualized tax, legal or investment planning advice. Where specific advice is necessary or appropriate, consult with a qualified tax advisor, CPA, financial planner or investment manager.

Investing involves risk, including loss of principal. Hedging and protective strategies generally involve additional costs and do not assure a profit or guarantee against loss.

Options carry a high level of risk and are not suitable for all investors. Certain requirements must be met to trade options through Schwab. Please read the options disclosure document titled "Characteristics and Risks of Standardized Options" before considering any option transaction. Supporting documentation for any claims or statistical information is available upon request.

With long options, investors may lose 100% of funds invested.

Covered calls provide downside protection only to the extent of premiums received, and prevent any profitability above the strike price of the call.

Cryptocurrency- related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.

Futures, futures options and Forex trading involves substantial risk and is not suitable for all investors. Please read the Risk Disclosure Statement for Futures and Options prior to trading futures products.

Forex trading involves leverage, carries a substantial level of risk, and is not suitable for all investors. Please read the Risk Disclosure for Forex.

0924-RGR0