One size doesn't fit all.

A full spectrum of retirement plan solutions

Companies come in all shapes and sizes. We can help you meet your clients' needs with 401(k), 403(b), 457, defined benefit, employee stock ownership, nonqualified, and profit-sharing plans, among others.

Work with us in the way that works for you. Based on your needs, we can help you determine which approach is best. We'll be there to answer questions and provide guidance and support.

Plans and Accounts

Retirement Business Services (RBS)

This solution is ideal for clients who want to pair with independent plan providers of their choice, supported by the services of a trusted custodian. Working together, your client gets an ideal combination of your expertise and support from an independent recordkeeper and Schwab.1  

Because we work extensively with advisors and recordkeepers in local, regional, and national markets, we understand what you need from a custodian. Schwab provides you with integrated trust, custody, and directed trustee services from Charles Schwab Trust Bank, so you can choose the right options for your business. With Charles Schwab Trust Bank, you can feel confident knowing account assets are protected by a wide-ranging combination of safeguards.

View our Asset Safety Brochure >

Flexible investments

With Schwab's commitment to open architecture, your client has access to a wide array of investments that allow flexibility and choice when building a retirement plan.

You can choose from mutual funds from Schwab and collective trust funds from Charles Schwab Trust Bank as well as choices from other fund providers, and you can leverage our portfolio management resources. You can also trade a unitized fund containing company stock, customized portfolios of multiple mutual funds, or actively managed accounts just as easily as you would trade a mutual fund.

Schwab Retirement Plan Services 
Schwab Retirement Plan Services offers comprehensive plan services ideal for larger plans. Schwab Retirement Plan Services acts as the recordkeeper, streamlines plan administration, and takes a holistic approach to helping support employees’ financial lives.
 

To do this, we focus on four key areas:

  • Advice
  • Investment cost
  • Investment approach
  • Financial wellness

These areas can be addressed and optimized on an individual basis according to your clients' needs and wants. This allows you to create meaningful plans for your clients and help facilitate better outcomes.

Company Retirement Account (CRA)
For those client businesses with an established retirement plan, a Schwab CRA holds your plan's assets, gives you expanded investment options, and lets your clients access Schwab's retirement planning tools, research, and resources.

Products

  • Schwab Bank Savings²

    An FDIC-insured money market deposit account3  available to retirement plans.

  • PCRA⁴

    A self-directed brokerage account is a way to help participants attain financial strength and diversification. Schwab makes it simple.

  • Schwab Retirement Advisor Portfolio

    Find out how to customize the investment choices in the retirement plans you manage with Schwab Retirement Advisor Portfolio.
     

  • Scale Your Practice—Help Boost Your Efficiency with Model Portfolio Unitization Services

    To efficiently deliver custom investment strategies to retirement plan participants, Schwab retirement plan advisors can now access the ERS Model Management Solutions (EMMS), a web-based technology platform powered by Envestnet Retirement Solutions, LLC.

  • HSBA

    With a Schwab Health Savings Brokerage Account (HSBA), account holders can invest in a health savings account with the freedom of a brokerage account.

  • Exchange-Traded Funds for Retirement Plans (ETF T+1)⁵

    Expand your clients' retirement plan investment options with exchange-traded funds.

Schwab Advisor Center®

Whether you specialize in serving corporate retirement plans or managing investments for individuals within plans, Schwab has retirement solutions to help grow your practice.

And our solutions allow you to manage retirement plans through Schwab Advisor Center®, our industry-leading platform that thousands of independent advisors use to serve their clients.
 

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contact

Talk to us about your retirement plan business needs.

Call: 877-702-6498 

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Investors should carefully consider information contained in the prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling Schwab at 800-435-4000. Please read the prospectus carefully before investing.

Investment returns will fluctuate and are subject to market volatility, so that an investor's shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Shares are bought and sold at market price, which may be higher or lower than the net asset value (NAV).

1. Independent recordkeepers and investment advisors are not owned by, affiliated with, or supervised by Schwab.

2. Schwab Bank Savings is a money market deposit account (MMDA) at Charles Schwab Trust Bank ("Schwab Trust Bank").

3. A money market deposit account (MMDA) is a type of savings deposit. Funds deposited in the MMDA at Charles Schwab Trust Bank are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 when aggregated with all other deposits held by a Plan Participant in the same capacity at Trust Bank. Participants are responsible for monitoring the total amount of deposits that they hold with Trust Bank, in order to determine the extent of deposit insurance coverage available to them on their deposits, including the MMDA.

4. Schwab Personal Choice Retirement Account® (PCRA) is offered through Charles Schwab & Co., Inc., a registered broker-dealer that also provides other brokerage and custody services to its customers.

5. Charles Schwab & Co., Inc. receives remuneration from third-party ETF companies participating in Schwab ETF OneSource for recordkeeping, shareholder services, and other administrative services, including program development and maintenance.

Exchange-traded funds are subject to risks similar to those of stocks. Investment returns will fluctuate and are subject to market volatility, so that an investor's shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Diversification does not eliminate the risk of market loss.

Schwab ETFs are distributed by SEI Investments Distribution Co. (SIDCO). SIDCO is not affiliated with Schwab. The information contained herein does not constitute an endorsement, investment recommendation, solicitation to buy, or investment advice by Schwab. Schwab has no discretionary authority, responsibility, or control with respect to such matters. Schwab is not an investment advisor or fiduciary to your employer's retirement plan, does not recommend any particular mutual fund or collective trust fund or category of mutual funds or collective trust funds, is not responsible for your choice of mutual funds and collective investment funds, and may receive remuneration for recordkeeping and shareholder services and other administrative services. Schwab does not guarantee the suitability or potential value of any particular investment or information source.