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Personal Finance & Planning

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

Retirement Health Care Costs

Four tips for managing health care costs in retirement.

November 19, 2025 • Chris Kawashima

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Annuities and Estate Planning

If you have an annuity you no longer need, consider these five ways to deploy the extra income in your estate plan.

November 19, 2025

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Understanding Tax Cost Ratio

Tax cost ratio is a key metric for tax-efficient investing. Here's what it is and how it works.

November 18, 2025

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Insurance and Extreme Weather

The frequency of weather-related disasters is on the rise. Here are common shortcomings with homeowners' insurance—and what you can do to help protect yourself.

November 18, 2025

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Trump Accounts: What to Know

Learn how Trump Accounts could help families save for their children's futures with tax-free growth opportunities, flexible contributions, and long-term investing potential.

November 17, 2025

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Comparing State Taxes

Your overall tax liability is heavily dependent on where you live. Here's your state-by-state guide to who charges what.

November 17, 2025

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Protecting Your Digital Estate

Our personal information and financial assets are increasingly stored online. Here's why you need a digital estate plan—and how to create one.

November 17, 2025

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4 Tips for Aging in Place

Many retirees would like to continue living independently and in their own home as they age. Find out what you can do now to help prepare for aging in place.

November 17, 2025

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Your Estate Plan Abroad

If you live or own property abroad, your U.S. estate plan may not be enough. Here's what to consider if you have financial ties in multiple countries.

November 14, 2025

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Reconciliation Bill FAQs

The Reconciliation Bill, a.k.a. the One Big Beautiful Bill Act (OBBBA), touches nearly every corner of the tax landscape. Here are some of the biggest takeaways for taxpayers.

November 14, 2025

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How to Wire Money Safely

Wire transfers are a common target for scammers. Here's how to help ensure your funds go to legitimate recipients.

November 14, 2025

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Cryptocurrency Donations

Donating cryptocurrency offers potential tax benefits but also comes with unique considerations that can complicate the process.

November 14, 2025

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What Is a Discretionary Trust?

Despite grantors' best intentions, restrictive trust provisions can sometimes do more harm than good. With the right trustee, a discretionary trust could be a better solution.

November 14, 2025

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Will Your Financial Plan Last?

Sound financial planning tries to account for various scenarios, but it may not always foresee the unexpected stressors of life. Is your plan built to last through retirement?

November 14, 2025

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Protect Your Travels

Many things can interrupt a well-planned trip: flight delays, medical emergencies, even geopolitical conflicts. Here's how to evaluate trip insurance.

November 14, 2025

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529 Accounts for Study Abroad

Yes, families can use 529 distributions to pay for costs associated with study abroad programs—but there are restrictions. Here's what to know.

November 14, 2025

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Financial Literacy for Adults

For one reason or another, adult children may come to depend on financial support from their parents. Here's how to encourage financial independence.

November 14, 2025

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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.