Planning & Retirement
Prepare for financial milestones and events
Financial planning
Beware AI Voice Cloning Scams
Fraudsters can use artificial intelligence to impersonate nearly anyone. Here's how to help protect yourself from AI voice-cloning scams.
Annuities in Your Estate Plan
If you have an annuity you no longer need, consider these five ways to deploy the extra income in your estate plan.
50 Years of Innovation
Since its founding in 1973, Charles Schwab has helped pioneer market access, lower fees, financial literacy, and more. Here's an up-to-the-minute guide to our initiatives and offerings.
College and education
Save or Pay Off Student Loans?
Just because you have student loans to pay off doesn't mean you should put investing on hold to do it—you don't have to prioritize one over the other.
Education: 529 Savings Plans
A popular college-savings vehicle is the 529 savings plan, which provides several tax advantages when used for education expenses.
Budgeting for Student Loans
Ready to face the return of student loan repayments? Conquer your budget by tracking expenses, cutting back on non-essentials, and balancing debt payment with retirement savings.
Estate planning
Annuities in Your Estate Plan
If you have an annuity you no longer need, consider these five ways to deploy the extra income in your estate plan.
Reducing Estate-Attorney Fees
Working with an estate attorney can be costly. These three tips can help keep legal expenses to a minimum.
Tax-Exemption Countdown
Lifetime estate and gift tax exemption thresholds are poised to be cut in half at the stroke of midnight December 31, 2025, leading to a potentially sharp jump in some estates' tax liability. But there's still time to prepare.
Saving for retirement
The Future of Social Security and Medicare?
Medicare and Social Security are projected to run out of money in less than a decade. Mike Townsend discusses possible solutions to the shortfalls and the likelihood of each.
Saving for Retirement Without Steady Income
For the millions of workers without the steady income of a 9-to-5 job, here's how to save for retirement.
Which Retirement Is for You?
What will your retirement look like? Will you travel? Go back to school? Or just work less and enjoy life more? Here are three scenarios to help you turn your vision into reality.
In retirement
Annuities in Your Estate Plan
If you have an annuity you no longer need, consider these five ways to deploy the extra income in your estate plan.
The Key Ages of Retirement
Retirement is a series of milestones that arrive as you age. Here are the ones you should know about.
Tax-Smart Income Plan
Smart tax planning can help extend the life of your retirement savings and may lower taxes in retirement.
Tax planning
Tax-Smart Income Plan
Smart tax planning can help extend the life of your retirement savings and may lower taxes in retirement.
Tax-Exemption Countdown
Lifetime estate and gift tax exemption thresholds are poised to be cut in half at the stroke of midnight December 31, 2025, leading to a potentially sharp jump in some estates' tax liability. But there's still time to prepare.
Save with Tax-Gain Harvesting
Strategically selling your winning investments could reduce current and future taxes.