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Equity compensation can be a key part of building your wealth.

Discover a range of investing resources and solutions designed to help meet your needs on your terms.

Two people walk on a scenic path near a pond, smiling at each other.

Financial growth starts with having a solid foundation.

Build a stronger understanding of your finances and the opportunities available to you.

Investing basics

ESTIMATED READING TIME: 5 MIN

The 7 principles of investing: Fundamentals for success

By following some key principles of investing, you can potentially earn more over time, help protect yourself against significant losses, and stay focused on your plan.

Learn about investing fundamentals
ESTIMATED READING TIME: 6 MIN

7 good ideas for new investors

Successful investors tend to share a few similar habits regarding when and how they invest. Check out these seven ideas to get you thinking.

See some good ideas

Investing with equity compensation

ESTIMATED READING TIME: 5 MIN

Including equity compensation in a financial plan

Equity compensation can be a significant source of income. Understanding the stock types and options you have, as well as when they vest and when and how they will be taxed, is important to seeing how they fit into your financial plan.

See how equity fits into your plan
ESTIMATED LISTENING TIME: 28 MIN

What should you do with your employee stock?

Don't get confused by all the acronyms, tax issues, and timing decisions of your equity compensation. Learn about employee stock and what you can and should do with it.

Listen now
ESTIMATED READING TIME: 3 MIN

Why overconcentration is risky—and how to avoid it

See why being overly concentrated in a stock is risky for your portfolio. And find out how diversification can help to protect you from significant losses.

Learn about the risks
ESTIMATED READING TIME: 4 MIN

4 common biases that affect financial decisions

Emotional biases like loss aversion and overconfidence can have a negative impact on your financial decisions. Clear goals and objective advice can help.

Beat your biases

Managing a windfall

ESTIMATED READING TIME: 2 MIN

What to consider when coming into a windfall

Receiving a large sum of money can change your life immediately. And when you have a solid financial plan in place to manage it properly, it can also shape your future.

Gain insights for managing a windfall

Next Steps

Make the most of your Schwab One® brokerage account

With your Schwab One brokerage account, it's easier than ever to manage investments. Learn more about how it works and why it's different from checking and retirement accounts.

Learn about brokerage accounts

Discover the many ways to invest with us.

Choose from options like self-directed investing, active trading, automated investing, and wealth and investment management solutions. Our modern approach to wealth management provides lots of flexible ways to invest with us.

See options

Explore thematic investing to align your investments with what matters.

Thematic investing from Schwab can help you align your investments with personal interests and values. Our AI technology mines terabytes of data to help you discover companies that prioritize renewable energy, active lifestyles, specific passions—whatever interests you.

Discover over 40 themes

Streamline your financial life with automated investing.

Build and manage your portfolio with the help of our robo-advisors. Automated investing uses intelligent algorithms to simplify the investing processes by building, monitoring, and automatically rebalancing your portfolio—all based on your goals.

Robo-advisor basics

INFOGRAPHIC

An introduction to robo-advisors

Robo-advisors are rising in popularity, but how do they work—and how can they be personalized to help you meet your specific goals?

Explore the infographic
ESTIMATED VIEWING TIME: 1 MIN

If it isn’t an actual robot, what is it?

Find out what robo-advisors are and how people are using them to help with building wealth.

Learn more about robo-advisors
ESTIMATED VIEWING TIME: 1 MIN

How do robo-advisors work?

Discover how answering a few questions can help get you started working with a robo-advisor to build your financial future.

Find out how it all works
ESTIMATED VIEWING TIME: 1 MIN

Robo-advisors: A better way to invest

Learn more about building a diversified investment portfolio—and how a robo-advisor can help.

Explore what technology can do for you

Next steps

Learn more about Schwab Intelligent Portfolios®

Build and manage your portfolio with Schwab Intelligent Portfolios, Schwab's automated investment advisory service. Our robo-advisor is designed to help you work toward your individual goals.

See how it works

Unlock new financial possibilities with professional investment management.

Because your goals and financial situation are unique, we offer a range of advice programs, including:

  • A variety of services, investments, account minimums, and monitoring levels—all catered to meet your specific goals
  • A high-touch human experience centered around your needs
  • A tailored and comprehensive wealth management strategy, backed by our Satisfaction Guarantee

Call 877-796-8006.

Or explore our range of advice options on your own

Have questions? We're here to help.

Call

If you live in the U.S., call 800-654-2593.

If you live outside the U.S., visit the Contact Us page to find your country's local number.

Our specialists are available Monday through Friday, 24 hours a day.

Chat

Log in to your account, head to the Equity Awards tab, and select the chat icon to be connected directly with a Stock Plan Services Specialist.

Access resources

Have questions about navigating your equity account? Searching for a specific form?

Visit our Videos & Forms page for helpful resources.

The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.

Investing involves risk, including loss of principal.

Investment Research for Schwab Investing ThemesTM is provided by Charles Schwab Investment Management, Inc. ("CSIM"). CSIM is an affiliate of Charles Schwab & Co., Inc. ("Schwab"). Both CSIM and Schwab are separate entities and subsidiaries of The Charles Schwab Corporation.

Schwab Investing Themes is for informational purposes only; it is not intended to be investment advice (including fiduciary advice as defined under the Employee Retirement Income Security Act or the Internal Revenue Code) or a recommendation of any stock or investment strategy.

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.

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

There is no advisory fee or commissions charged for Schwab Intelligent Portfolios. For Schwab Intelligent Portfolios Premium, there is an initial planning fee of $300 upon enrollment and a $30-per-month advisory fee charged on a quarterly basis as detailed in the Schwab Intelligent Portfolios Solutions disclosure brochures. Investors in Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium (collectively, "Schwab Intelligent Portfolios Solutions") do pay direct and indirect costs. These include ETF operating expenses which are the management and other fees the underlying ETFs charge all shareholders. Schwab does not charge an advisory fee for the SIP Program in part because of the revenue Schwab Bank generates from the cash allocation (an indirect cost of the Program). The portfolios include a cash allocation to FDIC-insured Deposit Accounts at Charles Schwab Bank, SSB ("Schwab Bank"). Schwab Bank earns income on the deposits, and earns more the larger the cash allocation. The lower the interest rate Schwab Bank pays on the cash, the lower the yield. Some cash alternatives outside of Schwab Intelligent Portfolios Solutions pay a higher yield. Schwab Intelligent Portfolios Solutions invests in Schwab ETFs. A Schwab affiliate, Charles Schwab Investment Management Inc., receives management fees on those ETFs. Schwab Intelligent Portfolios Solutions also invests in third-party ETFs. Schwab receives compensation from some of those ETFs for providing shareholder services, and also from market centers where ETF trade orders are routed for execution. Fees and expenses will lower performance, and investors should consider all program requirements and costs before investing. Expenses and their impact on performance, conflicts of interest, and compensation that Schwab and its affiliates receive are detailed in the Schwab Intelligent Portfolios Solutions disclosure brochures. Certain conditions must be satisfied for FDIC insurance coverage to apply. Charles Schwab & Co., Inc. and Charles Schwab Investment Management Inc. are not FDIC-insured banks and deposit insurance covers the failure of an insured bank.

Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium® are designed to monitor portfolios on a daily basis and will also automatically rebalance as needed to keep the portfolio consistent with the client's selected risk profile. Trading may not take place daily.

Tax-loss harvesting is available for clients with invested assets of $50,000 or more in their account. Clients must choose to activate this feature. The tax-loss harvesting feature available with Schwab Intelligent Portfolios Solutions is subject to limitations which are described on the Schwab Intelligent Portfolios Solutions website and mobile application (collectively, the "Website") as well as in the Schwab Intelligent Portfolios Solutions disclosure brochures (the "Brochures"). You should consider whether to activate the tax-loss harvesting feature based on your particular circumstances and the potential impact tax-loss harvesting may have on your tax situation. Please read the tax-loss harvesting disclosures on the Website and in the Brochures before choosing it. Neither the tax-loss harvesting strategy, nor any discussion herein is intended as tax advice, and neither Charles Schwab & Co., Inc. nor its affiliates, including but not limited to Charles Schwab Investment Management, Inc., represents that any particular tax consequences will be obtained. For more information please visit the IRS website at www.irs.gov. 

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"). Schwab and CSIM are subsidiaries of The Charles Schwab Corporation.

Diversification, automatic investing and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.

Schwab Satisfaction Guarantee: 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. Refund requests must be received within 90 days of the date the fee was charged. Two kinds of "Fees" are eligible for this guarantee: (1) "Program Fees" for the Schwab Wealth Advisory ("SWA"), Schwab Managed PortfoliosTM ("SMP"), Schwab Intelligent Portfolios Premium ("SIP Premium"), and Managed Account Connection® ("Connection") investment advisory services sponsored by Schwab (together, the "Participating Services"); and (2) commissions and fees listed in the Charles Schwab Pricing Guide for Individual Investors or the Charles Schwab Bank Pricing Guide. 

For more information about Program Fees, please see the disclosure brochure for the Participating Service, made available at enrollment or any time at your request. The Connection service includes only accounts managed by Charles Schwab Investment Management, Inc., an affiliate of Schwab. The guarantee does not cover Program Fees for accounts managed by investment advisors who are not affiliated with Schwab or managed by Schwab-affiliated advisors outside of the SWA, SMP, SIP Premium, and Connection services.

The guarantee is only available to current clients. Refunds will only be applied to the account charged and will be credited within approximately four weeks of a valid request. No other charges or expenses, and no market losses will be refunded. Other restrictions may apply. Schwab reserves the right to change or terminate the guarantee at any time.

AHA34598

(0924-MB18)
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

The Charles Schwab Corporation provides a full range of brokerage, banking, and financial advisory services through its operating subsidiaries. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. ("Schwab") (Member SIPC), is registered by the Securities and Exchange Commission ("SEC") in the United States of America and offers investment services and products, including Schwab brokerage accounts, governed by U.S. state law. Schwab is not registered in any other jurisdiction. Neither Schwab nor the products and services it offers may be registered in your jurisdiction. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons.

This site is designed for U.S. residents. Non-U.S. residents are subject to country-specific restrictions. Learn more about our services for non-U.S. residents.

Not all products, services, or investments are available in all countries. Nothing on this website is an offer to sell or a solicitation of an offer to buy securities, products or service, by any person or entity in any jurisdiction or country where such distribution or us would be contrary to law or regulation. EU-U.S., UK Extension, Swiss-U.S., Data Privacy Framework.

© 2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. Unauthorized access is prohibited. Usage will be monitored.

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