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Planning & Retirement

Prepare for financial milestones and events

Financial planning

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Tips for Investing for Teens

Teens' greatest investing advantage is time. Piquing their interest with approachable, real-world lessons can help them build a foundation for lasting financial security.

August 14, 2026

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The Cash Trap

How to stay liquid without shortchanging your long-term goals.

August 14, 2026

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HSA Tax and Inheritance Rules

HSAs are one of the least tax-efficient accounts to leave to nonspouse heirs. Here's how to help capture their full tax advantages during your lifetime.

August 14, 2026

College and education

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College-Planning Mistakes

These planning mistakes could potentially cost you thousands in lost student aid and raise your out-of-pocket expenses.

August 03, 2026

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529-to-Roth IRA Rollovers

Unused 529 funds can be rolled into the beneficiary's Roth IRA without a tax penalty. But that's probably not a reason to overfund 529s.

July 15, 2026

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Investing With Kids

There are many ways to invest on behalf of and in partnership with your kids. Here are some key account types for education savings, stock trading, and retirement.

June 11, 2026

Estate planning

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Aging and Financial Autonomy

Failing to plan for cognitive decline can put your assets at risk. Involving adult children early helps ensure they're ready to step in if necessary.

August 14, 2026

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Estate Tax Uncertainties

Three trust types that may help guard against future estate tax changes.

August 11, 2026

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When to Accelerate Taxes

Deferring taxes isn't a one-size-fits-all approach. Here are three scenarios in which it might make sense to pay taxes sooner rather than later.

August 05, 2026

Saving for retirement

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Timing a Roth IRA Conversion

A Roth IRA conversion is one way high earners can access tax-free growth of their retirement savings. Consider the reasons for making a lump-sum conversion versus spreading it out.

August 14, 2026

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What Is a Roth Conversion?

A Roth IRA conversion involves moving assets from other retirement plans into your Roth IRA. Learn how to convert a Roth IRA and whether it's right for you.

August 05, 2026

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What Is a Roth IRA?

A Roth IRA is a retirement account that may offer tax-free growth and tax-free qualified withdrawals. Learn about eligibility, contributions, and withdrawals.

July 24, 2026

In retirement

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Aging and Financial Autonomy

Failing to plan for cognitive decline can put your assets at risk. Involving adult children early helps ensure they're ready to step in if necessary.

August 14, 2026

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Social Security Do-Over

If you take Social Security before age 70 and later wish you had waited to collect, you may be able to pay back or pause benefits to receive an increase in payouts later.

August 14, 2026

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What Is a Roth Conversion?

A Roth IRA conversion involves moving assets from other retirement plans into your Roth IRA. Learn how to convert a Roth IRA and whether it's right for you.

August 05, 2026

Tax planning

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Timing a Roth IRA Conversion

A Roth IRA conversion is one way high earners can access tax-free growth of their retirement savings. Consider the reasons for making a lump-sum conversion versus spreading it out.

August 14, 2026

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HSA Tax and Inheritance Rules

HSAs are one of the least tax-efficient accounts to leave to nonspouse heirs. Here's how to help capture their full tax advantages during your lifetime.

August 14, 2026

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Estate Tax Uncertainties

Three trust types that may help guard against future estate tax changes.

August 11, 2026

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Retirement IRA 401(k) Taxes Financial Planning Budgeting Education Estate Planning Health Care Wills

0526-BLXX

This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions.

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.

For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve.

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

Past performance is no guarantee of future results.

Schwab does not provide investment planning, specific individualized, legal, regulatory, tax or compliance advice. Consult professionals in these fields to address your specific circumstances.