|Account management fee|
|$30 per month, billed quarterly
|Investment expense ratios|
- 0.06% for a conservative portfolio.
- 0.15% for a moderate portfolio.
- 0.20% for aggressive.
|$300 one-time planning fee when opening an account
|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|
|Unlimited access to certified financial planners
|High-quality tools for goal-setting, customization and stress testing financial plans
|Customer support options (includes website transparency)|
|Clients can schedule an unlimited number of appointments with certified financial planners, meeting via phone or video chat. Schwab also offers phone and live chat support 24/7.
|None; only a referral bonus