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Personal Finance & Planning

Perspectives on financial planning and investments from Charles Schwab & Co., Inc.

Custodial Accounts and College

Custodial accounts may not offer the tax benefits of 529 plans, but they can be used to fund expenses that 529 plans don't cover.

March 25, 2026 • Chris Kawashima

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Financial Independence

Financial independence means having the freedom and flexibility to live life on your terms. Here's how you can begin to achieve it.

March 11, 2026

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Stable Value Funds Explained

Stable value funds combine high-quality bond portfolios with insurance-based contracts to preserve capital and provide steady returns for retirement investors or education savers.

March 10, 2026

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Veterans and Money

Veterans can face unique financial challenges. A veteran and Schwab Branch Manager offers ideas on how veterans can help secure their financial futures.

March 09, 2026

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Falling Rates and Your Debt

Rates are down from recent peaks, but that doesn't necessarily boost the case for refinancing and consolidation.

March 06, 2026

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Staggered Retirements

Couples with an age gap must plan for the financial and emotional implications of a staggered retirement.

March 06, 2026

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Paint by Numbers

How one couple is partnering with Schwab to put the pieces of their financial future into place—for themselves and their art-prodigy son.

March 06, 2026

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How to Decide Who Gets What

Choosing your heirs and how they receive your assets is a vital—and often complicated—aspect of preparing your estate.

March 06, 2026

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The Power of Asset Titling

Proper asset titling is critical to any good estate plan—but be sure you understand the ramifications before making changes.

March 06, 2026

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SARs

Learn about stock appreciation rights (SARs), including how they work, how to participate, and how they may impact your taxes.

March 06, 2026

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3 Estate-Planning Fallacies

Fewer families may be subject to federal estate tax—but neglecting the rest of your estate plan could be one big, beautiful mistake.

March 06, 2026

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How Trump Accounts Work

The new Trump accounts provide another way to save for a child's retirement. Here's how they'll work and why they may be worth considering.

March 06, 2026

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Contribution Limits for 2026

Contribution limits increased for most savings accounts this year, as did the estate and gift tax limits. Find out what's new for 2026.

March 06, 2026

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Investing in Your 20s

One of the most important things you can do in your 20s is to develop good financial habits. Here's how to get started.

February 18, 2026

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Money and Relationships

From budgeting basics to big financial decisions, managing your money as a couple can be a challenge. Explore ideas to help transform money talks into opportunities for growth.

February 13, 2026

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Dating and Money

Questions about who should pay for what and when? We share five ideas to help you be social and smart about your money at the same time.

February 11, 2026

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Recover From a Trading Loss

A big trading loss can have a lasting impact on a trader's state of mind and hinder successful trading. Learn how to process losses and return to disciplined trading.

February 10, 2026

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Insights & Education are provided by Charles Schwab & Co., Inc.

The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.