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Personal Finance & Planning

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

401(k)—Scam or Smart Move?

Have you heard on social media that a 401(k) is a scam? Here's why it isn't—and ideas on how you can use it wisely.

February 04, 2026 • Cindy Scott

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Smart Margin Trading Explained

Margin trading can boost returns but also amplify losses. Understand the finer points of margin risk and ways to use margin.

February 03, 2026

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Life Insurance Alternatives

Retirees can use a life insurance retirement plan to supplement their income, but it might not be the most effective strategy. Here are three alternatives to consider.

February 03, 2026

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401(k) Student Loan Match

Learn how the 401(k) student loan match works and how the new, optional program for employers can allow employees to save for retirement while also paying down student debt.

February 02, 2026

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3 Ways to Pass Down a Home

The pros and cons of different methods for leaving a home to your heirs.

February 02, 2026

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Ready to Buy Your First Home?

Think you're ready to buy your first home? Do these five things before stepping into that first open house.

January 30, 2026

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What Is a 529 Account?

The 529 savings plan provides several tax advantages when used for education expenses.

January 28, 2026

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Broker-Dealers vs. Advisors

Broker-dealers and investment advisors are obligated to operate in their clients' best interest, but in different ways. Learn the regulatory differences and several key terms.

January 27, 2026

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5 Remodeling Money Mistakes

Remodeling your home can be your own transformation story, but make sure you think it through and avoid these five common financial mistakes.

January 20, 2026

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Having the Long-Term Care Talk

Starting a conversation with loved ones about long-term care can be intimidating, however, having the talk can help both parties plan ahead and make important decisions together.

January 15, 2026

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Eat at Home, Build Wealth

Whether to eat out or cook at home is a lifestyle—and a financial—choice. Explore ways to cut dining-out costs so you can save more to help you hit your financial goals.

January 14, 2026

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Financial Steps After Spouse Loss

Handling financial matters while navigating the emotions of losing a spouse can feel daunting. But by addressing the most urgent financial needs, you can make a clear path forward.

January 14, 2026

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Manage Your Money in a Divorce

Learn what financial steps to prioritize during a divorce, including calculating net worth, freezing certain assets, reviewing beneficiaries, and more.

January 13, 2026

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Ways to Pay for College

With college costs soaring, many grandparents want to step in to help. Here are three tax-smart strategies to consider.

January 12, 2026

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Equity Compensation—Fun Money?

When your employer grants you shares of stock, it can feel like a bonus. But it's more than fun money; it's a chance to build your financial future if you manage it right.

January 12, 2026

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Automate Your Financial Future

You put your spending on automatic with monthly subscriptions for music, streaming services, or meal delivery. Why not put your savings on automatic too?

January 07, 2026

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A Guide to Rule 10b5-1 Plans

We'll cover the basics of what 10b5-1 plans are, who can use them, why they were created, and some features and considerations to think about before enrolling in a 10b5-1 plan.

January 07, 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.