|Account management fee|
|Investment expense ratios|
- 0.06% for a conservative portfolio.
- 0.15% for a moderate portfolio.
- 0.20% for aggressive.
|Built from up to 53 ETFs covering as many as 20 asset classes; larger cash allocation than other services.
Schwab’s advisors will also consider 401(k) and outside assets when offering guidance, but the service does not directly manage those assets.
- Non-retirement accounts.
- Roth, traditional and rollover IRAs.
|Tax-loss harvesting is free with $50,000 minimum balance.
|Human advisor option|
|Financial advisors available via chat or phone 24/7.
|High-quality tools for goal-setting, tracking and customization.
|Customer support options (includes website transparency)|
|Phone and live chat support 24/7.
|None; only a referral bonus.