Schwab Intelligent Portfolios Premium at a glance

Overall
3.5 NerdWallet rating
Account minimum
$25,000
Account management fee
$30 per month, billed quarterly
Investment expense ratios
Weighted-average ranges:
  • 0.06% for a conservative portfolio.
  • 0.15% for a moderate portfolio.
  • 0.20% for aggressive.
Account fees
$300 one-time planning fee when opening an account
Portfolio mix
Built from up to 53 ETFs covering as many as 20 asset classes; larger cash allocation than other services
Accounts supported
  • Non-retirement accounts.
  • Roth, traditional and rollover IRAs.
  • Trusts.
Schwab’s advisors will also consider 401(k) and outside assets when offering guidance, but the service does not directly manage those assets
Tax strategy
Tax-loss harvesting is free with $50,000 minimum balance
Automatic rebalancing
Yes
Human advisor option
Unlimited access to certified financial planners
Tools
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.
Promotion
None; only a referral bonus