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Onward

Schwab's quarterly magazine for clients invested in their financial futures

Features

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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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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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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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The Case for International

After years of underperformance, foreign investments are now outperforming their U.S. counterparts. Here are three reasons why they likely deserve a place in most investors' portfolios.

November 14, 2025

Perspectives

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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4 Volatility Metrics

Understanding how to use volatility metrics helps traders assess market conditions, manage risk, and make more informed decisions in uncertain environments.

November 14, 2025

thinkorswim® spotlight

thinkorswim® Heat Map How-To

The Heat Map feature on thinkorswim® desktop can help traders identify recently outperforming sectors and companies driving that momentum. Learn how to use the Heat Map.

November 14, 2025

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Word of mouth

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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Responding to Market Chaos

Volatility has investors questioning the future of U.S. stocks. Three Schwab finance professionals discuss how to evaluate your portfolio in the face of market ups and downs.

November 14, 2025

Quick takes

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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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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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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Is Your Fund Drifting?

Over time, mutual funds can stray from their stated objectives and no longer serve the same purpose within your portfolio. Here's how to tell if your fund is off course.

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

From our leaders

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Print editions

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From the archives

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Charitable Remainder Trusts

A charitable remainder trust can provide a tax break and income for life.

November 11, 2022

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Trading Simple Moving Averages

A stock's simple moving average can help traders identify when trends are established or broken. Here's how to employ them in your own trading.

November 11, 2022

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Borrowing Against Your Assets

Borrowing against your assets can often act as a tool to manage wealth. Here's how to use debt strategically—even in some cases when you can afford to pay cash.

March 10, 2023

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3 Ways Dividend ETFs Can Differ

Dividend-focused ETFs can be a great portfolio addition, but varied methodologies can result in very different potential returns. Learn about considerations for how to choose dividend ETFs that can help complement your portfolio.

March 10, 2023

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Why Personalized Indexing?

Personalized indexing can put greater control in the hands of individual investors.

May 12, 2023

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Bond Investment Strategies

Choosing between a bond ladder, a barbell, and a bullet should depend on your goals and timeframe. Here's how to decide which individual bond investment strategy may best fit your needs.

June 09, 2023

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Is That Stock Undervalued?

A falling stock price doesn't always mean a good deal. Here's how to help assess the potential value of a stock to know whether it may be the right time to consider it.

June 09, 2023

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Demystifying Medicare

Compare your Medicare options and help reduce out-of-pocket costs.

June 09, 2023

Explore more topics

Retirement IRA Taxes Investments Financial Planning Estate Planning Portfolio Management

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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.

Past performance is no guarantee of future results.

Investing involves risk, including, for some products, more than your initial investment.

Equity and index options carry a high level of risk and are not suitable for all investors. Certain requirements must be met to trade options through Schwab. Please read the Options Disclosure Document titled "Characteristics and Risks of Standardized Options" before considering any option transaction. Supporting documentation for any claims or statistical information is available upon request.

Hedging and protective strategies generally involve additional costs and do not assure a profit or guarantee against loss.

With long options, investors may lose 100% of funds invested.

Spread trading must be done in a margin account.

Multiple leg options strategies will involve multiple transaction costs.

Covered calls provide downside protection only to the extent of premiums received, and prevent any profitability above the strike price of the call.

Futures, and Futures options trading involves substantial risk and is not suitable for all investors. Please read the Risk Disclosure Statement for Futures and Options prior to trading futures products.

Forex trading involves leverage, carries a substantial level of risk, and is not suitable for all investors. Please read the Risk Disclosure for Forex: https://www.schwab.com/resource/forex-risk-disclosure-statement.

Futures and forex accounts are not protected by the Securities Investor Protection Corporation (SIPC). Forex accounts do not receive a preference in any bankruptcy proceeding pursuant to Part 190 of the CFTC's regulations.

Read additional CFTC and NFA futures and forex public disclosures for Charles Schwab Futures and Forex LLC.

Futures, futures options, and forex trading services provided by Charles Schwab Futures and Forex LLC. Trading privileges subject to review and approval. Not all clients will qualify. Forex accounts are not available to residents of Ohio or Arizona.

Charles Schwab Futures and Forex LLC., is a CFTC-registered Futures Commission Merchant and NFA Forex Dealer Member.

Charles Schwab Futures and Forex LLC (NFA Member) and Charles Schwab & Co., Inc. (Member SIPC) are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation.

This information provided here is for general informational purposes only, and is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, you should consult with a qualified tax advisor, CPA, Financial Planner, or Investment Manager.