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Client Accounts

Schwab offers a broad range of Brokerage, Retirement, and Trust accounts to support the relationship you have defined with your clients and to help you address their individual investing requirements.

Brokerage Accounts

Schwab Account
The "investment only" account:

  • Securities Trading
  • Money market fund sweeps
  • Options and margin capabilities
  • Schwab MoneyLink®

Schwab One®
One account combines investment with convenient cash access features.

  • Securities trading
  • Money market fund sweeps
  • Option and margin capabilities
  • Classic Visa® debit card
  • Unlimited checkwriting
  • Imaged check copies
  • Schwab MoneyLink
  • Schwab BillPay™

Schwab Access™*
Two independent accounts separate investment assets from funds for daily expenses. The investment account offers securities trading, while the payment account provides premium cash access features.

  • Securities Trading
  • Money market fund sweeps
  • Option and margin capabilities
  • Visa Gold® debit card - no fee
  • Rebated ATM surcharges
  • Unlimited checkwriting
  • Imaged check copies
  • Overdraft protection**
  • Schwab MoneyLink
  • Schwab BillPay

*Schwab Access is not a bank checking account and is not FDIC insured.
**Available three times per quarter

Trust Accounts

Schwab acts as custodian for brokerage assets titled in living revocable or irrevocable trusts. In addition, the Charles Schwab Trust Company can serve as trustee for certain retirement plans serviced by a third-party administrator.

The Charles Schwab Trust Company (CSTC), a California chartered trust company, provides trust services to Schwab customers and affiliates and is a wholly owned subsidiary of The Charles Schwab Corporation.

Retirement Accounts

A Plan for All Seasons

Self-employed individuals with a laptop and a cell phone. New business start-ups. Companies employing hundreds. Whether your client base is this varied, or you'd like to focus on a certain niche, we provide you with a full range of plans to help your clients achieve their retirement goals.

Individual Retirement Accounts

  • Traditional
  • Roth
  • Education

Small business plans

  • Qualified Retirement Plan (QRP)
  • SEP IRA
  • SIMPLE IRA

Large company plans

  • Company Retirement Accounts (CRA)
  • 401K

Safety and Security

The Securities Investor Protection Corporation (SIPC) provides up to $500,000 to protect the securities per customer in each separate account capacity with a limit of $100,000 for claims of cash balances.

In addition, Schwab provides through Travelers Casualty and Surety Company of America excess protection above the amount up to the customers total net equity for each account for securities, and an additional $900,000 for claims of cash. This protection does not cover for fluctuations in the market value of securities.

   

Highlight

The Schwab Fund for Charitable Giving™

The Schwab Fund for Charitable Giving ("the Fund"), an independent public charity,* was established to increase philanthropy in the United States by providing useful information, unbiased guidance, and advantageous ways to give.

The Fund offers a Charitable Gift Account to which donors can make irrevocable contributions and receive tax benefits. Donors recommend how the contributions should be invested among three professionally managed SchwabFunds® investment pools. Going forward, donors can recommend grants from the account to qualified public charities at anytime. Contributions have the potential to grow tax-free to fund additional charitable giving in the future. Your clients can authorize you to serve as their account nominator, enabling you to recommend grants on their behalf or rebalance funds across investment pools.

For more information about Charitable Gift Accounts or The Schwab Fund for Charitable Giving, visit the Fund's Web site at www.schwabcharitable.org.

Call (800) 746-6216 and we will provide you with a free prospectus containing more complete information, including management fees, charges, and expenses for any fund available through Schwab. Please read the prospectus carefully before selecting an investment pool to recommend.

*As described in sections 501(c)(3), 509(a)(1), and 170(b)(1)(A)(vi) of the Internal Revenue Code of 1986. Its services are available to the public and are not exclusive to clients of Charles Schwab & Co., Inc.