null

Fast answers to your most mutual questions

Market fluctuations can lead to more questions from clients and longer await times on the phone. To aid you lot skip the line, below are answers to clients' ofttimes asked questions. Know that we're always here for yous – by phone, on Schwab.com, and on our mobile app.

Top Questions

  • Transfer cash icon

    When are deposited funds available for trading?

    Schwab Brokerage Accounts—Generally, electronic deposits and incoming wires to your Schwab brokerage business relationship are available for same twenty-four hour period trading. In some instances, however, incoming deposits may not be immediately used for certain securities and are bailiwick to a holding menstruation of upwards to five business days.

    Schwab Banking company Accounts—More often than not, deposited cash and checks are bachelor on the first business solar day later we receive your eolith. If you enrolled in our Electronic Fund Transfer (EFT) service, your Schwab Bank deposits are subject to a 4-concern-day concur and you may not withdraw pending funds during the holding period. For newly opened accounts, Schwab Depository financial institution may hold certain deposit types until the fifth business organization mean solar day after the day of the eolith. Yous can view a detailed caption of new client hold times hither.

  • Icon

    How exercise I place a merchandise?

    Apply the Trade Stocks & ETFs order entry page to submit an order to buy, sell or sell curt a stock or ETF. You lot'll need to complete 3 steps: Enter the specifics of your stock order including symbol, quantity and order type, verify your social club, then submit your lodge.

    The All-In-One Merchandise Ticket is designed to give you easier access to multiple asset types within the same trade ticket. Encounter our Trade FAQs below for more information.

  • alert icon

    What are stock settlement violations?

    Stock settlement violations can occur when new trades are not properly covered past settled funds. Although settlement violations generally occur in cash accounts, they can likewise occur in margin accounts, particularly when trading non-marginable securities.

    You lot can read more virtually the main types of settlement violations and how to avert them here.

  • How do I transfer funds?

    How practise I transfer funds?

    Whether you want to movement funds among your accounts at Schwab or from external accounts, our step-by-step process will walk y'all through information technology.

  • null

    Where tin I go for revenue enhancement questions?

  • Trading icon

    Has Schwab halted trading on any securities?

    Neither Charles Schwab & Co. nor TD Ameritrade halted clients from buying any stocks, or selling any stocks they own, and neither firm restricted executing any basic options strategies. Nevertheless, we've raised margin requirements on certain securities. Learn more than here.

Transfer of Assets FAQs

Transfer of Assets FAQs

Some transfers from originating firms are being rejected for various reasons. Beneath is a listing of FAQs for y'all to review to determine adjacent steps:

Schwab does non currently back up property cryptocurrency positions. These positions may either remain at the originating firm or must exist liquidated prior to the completion of the transfer.

Accounts at Schwab volition need to be approved for options trading prior to the completion of transfers of options positions from your current brokerage firm. Delight note: Options approval may take five-x business days.

Transfers submitted without appropriate options approval level at Schwab will be rejected. To forestall this, you can complete an application to add together the options trading feature at Schwab or shut the options position before transferring, if y'all haven't already.

New clients need to take the margin characteristic active before Schwab can accept margin debits into the account or employ any marginable securities for margin or borrowing purposes. To resolve this, margin is a default feature available to new brokerage accounts. New clients will need to ensure that they DO NOT bank check the "No, practise non add margin" box during the business relationship opening process. Existing clients without the margin characteristic enabled will need to complete a new margin awarding. Margin requirements at Schwab may vary from other firms.

Your current brokerage firm will need to reconcile the transfer activity, and if incorrect instructions were submitted, your current brokerage business firm will need to submit a claim to Schwab to return securities sent in fault. Unfortunately, there is no action that Schwab can take to rectify this. You may expect for the process to complete, or you may contact your brokerage firm to expedite the process.

You tin can only transfer whole shares from your originating business firm's business relationship to your Schwab account. The originating firm will sell fractional shares and the greenbacks volition be sent to your Schwab account.

Trading and Margin FAQs

Fund availability and trading

Fund Availability and Trading

Generally, clients may use a recent deposit to purchase marginable securities at Schwab. Delight note that Schwab, similar many firms, has exceptions to this rule. Please note the following:

  • Orders for marginable and non-marginable securities are generally allowed to place trades using a recent deposit.
  • Options and penny stock purchases require cleared cash prior to gild entry. Cleared cash is defined as funds not subject area to a agree.
  • MoneyLink deposits may accept up to 3 business days to clear.

Straight Public Offerings

Straight Public Offerings

Direct Public Offerings (DPO), also known as straight listings, allow private companies to list public shares on an exchange. Clients will be able to purchase shares as soon as the shares begin trading in the secondary market.

A predetermined number of shares and initial public price are non known with a DPO. On the day of the DPO, the number of shares that trade is dependent on the number of shares that company employees and individual investors cull to listing on the market place. The price at which the shares start trading is dependent upon supply (number of shares) and market demand, and as a result, the share cost can exist highly volatile.

Any buy orders placed prior to or on the first day of trading require the use of a limit order. If placing a limit order prior to the start day of trading, clients must use good-til-cancelled limit orders, which volition remain open until executed or cancelled. Marketplace orders will be accepted beginning on the 2d day of trading.

Buy limit orders permit clients to indicate the highest share price they are willing to pay. If a stock opens and trades above this limit price, the limit order volition not be executed. To be eligible for trade execution, shares must trade at or below the limit price.

In cash accounts, or accounts without the margin feature, cash is required in the account to pay for the buy. In margin accounts, cash or margin cash available is required in the account prior to placing an society. Also, no short selling of the shares is permitted on the starting time day of trading.

DPOs are generally regarded as high-risk investments. Schwab is non recommending the purchase of whatever particular DPO. Clients should make up one's mind whether an investment in any particular DPO is suitable for them.

24-hour interval Trading and Trade Settlement

Mean solar day Trading and Trade Settlement

More often than not, a pattern day trader is a client who has executed four or more than day trades in a margin account within five business days. As a pattern day trader, you must maintain the $25,000 minimum equity for the previous trading day.

If you driblet below the required minimum of $25,000, you lot volition be held to liquidating trades only for that entire twenty-four hour period. You can satisfy the minimum by depositing additional funds and/or marginable securities.

Margin calls

Margin calls

Margin is an extension of credit from a brokerage company using your own securities as collateral. Funds borrowed on margin may be used for whatsoever purpose, including the purchase of securities. Interest is charged on the borrowed funds for the period of fourth dimension that the loan is outstanding. For more data, please review our Margin Lending Overview.

Schwab tin can liquidate securities to comprehend any margin deficiency and is not required to notify you before doing then. If you or Schwab liquidates securities to meet a margin telephone call, your risks include unintended tax consequences from the sale of your securities, the possibility that Schwab might sell securities y'all preferred to hold, and a price received for a sale that yous may exist unhappy with. If a margin phone call is issued, you are required to promptly bring your account to the required maintenance level. It is Schwab's policy to attempt to contact you, when practicable, to notify you of a margin deficiency. However, Schwab tin can sell securities in your account, without prior notice, to cover any deficiency.

In one case y'all borrow on margin, you are required to maintain a certain amount of equity in your account, depending on the securities you agree. By 'equity', we hateful the value of the account above the amount borrowed from Schwab. Typically, the equity maintenance requirement is at least 30% of the total account value, but it tin be higher for certain securities or accounts.

Visit our Margin Loans page for more information on requirements for buying and borrowing against securities in a margin account based on Federal Reserve Lath Regulation T ("Reg T"), FINRA regulations, and Schwab rules.

To view margin maintenance requirements of a specific security, log in and employ the Margin Maintenance Requirement Lookup tool.

How to Trade

How to Trade

Standard market hours are 9:30 a.1000. to 4:00 p.thou. ET, Monday to Friday. Orders can be placed at whatever time and will only be eligible for execution from 9:thirty a.m. to 4:00 p.m. ET.

Please visit our Extended Hours Trading page for full data. Please note the post-obit:

  • Extended Trading Sessions: Schwab's Extended Hours Trading offering has two components, the Pre-Market Trading session and After-Hours Trading session. These are completely contained from the standard trading session. Extended hours orders must be placed on the special Extended Hours Trading screens at schwab.com, or by calling us at 800-435-4000 and asking for an Extended Hours Trading representative.
  • Pre-Market: Orders can exist placed between 8:05 p.m. (previous trading day) and nine:25 a.m. ET and volition be eligible for execution between 7:00 a.grand. and 9:25 a.grand. ET.
  • Later on Hours: Orders can exist placed and are eligible for execution betwixt 4:05 p.thousand. and eight:00 p.m. ET.
  • Only limit orders for the Extended Hours sessions are accepted.
  • Orders are only good for the session in which they are placed. At that place is no carryover into any other sessions.
  • Disinterestedness and equity options do non trade on weekends. An social club may be entered, however are but eligible for execution Thou-F.

Our step-by-step guide will show y'all how to employ the All-in-I trade ticket to trade stocks, ETFs (exchange-traded funds) and options.

Utilize the Social club Status page to view the status of all open orders and other recent order activity in the currently selected account.

To alter an open up society, click the Change button. The "Modify Order Asking" screen volition appear. You tin alter the quantity, toll, or special conditions of your gild. Other fields cannot be changed.

Annotation: Changing an order DOES NOT GUARANTEE that the original order will non exist executed. When yous change an guild, FOR A Brusque Time It MAY SEEM AS THOUGH TWO ORDERS ARE Open up. You practice not have to transport another change asking, the old club will eventually exist closed (if it is not Likewise Belatedly to Cancel).

If you need to abolish an order and the club still shows every bit Open on the Lodge Status page, click on the "Cancel" button. The "Cancel Request Verification" screen will appear. On this page you take the choice of "Exercise Non Abolish Order" or "Cancel Social club." After you click on "Cancel Order," a "Abolish Order Acknowledgment" will appear, confirming that we have received your request to cancel your society.

When selling one mutual fund and ownership some other, canceling the sell order volition cancel both the purchase and the sell trade orders (since the gain are no longer available for the buy order). Canceling the buy order will exit the sell society intact, and will only cancel the buy order.

Once your lodge is executed, information technology cannot be changed or canceled. During market hours, only limit, stop and stop limit orders can exist changed, because marketplace orders are generally executed as well quickly. Market place orders entered while the market place is closed or during market place halts may be changed only if they tin can be processed earlier the market opens on a best efforts basis. Mutual fund orders cannot be changed. You must abolish the order and enter a new one.

Schwab Stock Slices™

Schwab Stock Slices™

With Schwab Stock Slices, yous tin own a slice (fractional share) of any stock in the Southward&P 500® starting at $five each. Select between 1 and 10 stocks by name or use pre-sorted lists by industry and the amount you'd similar to invest up to $x,000. You can use Schwab Stock Slices to invest as often as you'd like.

Conveniently get started at Schwab.com under Trade > Schwab Stock Slices or through the Schwab Mobile App.

Taxation FAQs

RMDs

RMDs

For more than details on mutual questions and concerns, delight read the FAQs on the 2020 & 2021 RMDs and the 2020 CRD.

2021 Tax Year Information

2021 Tax Year Information

The IRS has extended the taxation filing deadline for some counties in sure states. This includes filing various individual and business tax returns, quarterly payments, and 2021 IRA contributions. For more than information, please visit the IRS Taxation Relief in Disaster Situations page at www.irs.gov.

The Schwab Tax Center is a one-stop resource for data on tax changes, cost ground reporting, tax preparation, and more.

You can likewise find out when your 1099 tax forms will exist available by logging in and visiting the 1099 Dashboard (login required).

Yous tin view, print, or download many of your 1099 documents at the 1099 Dashboard (login required). Available forms include Form 1099-R, Class 1099-INT, Course 1099-MISC, Form 1099-NEC, Grade 990-T, and employer-sponsored 1099 tax forms.

Other revenue enhancement forms (e.k.., Grade 5498) can be found on the Statements folio.

You tin can also access your 1099s via the Schwab Mobile App. Tap More than on the lesser of the screen, then tapClient Service, and then select the1099 Taxation Forms menu.

Not all accounts receive tax forms in a given calendar year. Revenue enhancement forms are commonly generated for the following circumstances:

  • For taxable brokerage accounts: Form 1099-Composite is generated for accounts where whatever taxable transaction such as dividends, interests, or closing transactions (sale of securities) occurred inside the calendar yr.
  • For IRAs:
    • Grade 5498 is generated for accounts where a contribution is made within a calendar year.
    • Form 1099-R is generated for accounts where a distribution was made within a agenda year.
  • For bank accounts: Class 1099-INT is generated for accounts where the total interest paid for a calendar year is more than than $x.

If we receive updated information after nosotros've produced your original form, we're required by the IRS to send you a corrected Class 1099 inside 30 days of being fabricated aware of the modify. The most probable reason is that one or more than of the issuers of a security in your business relationship reported a reallocation of certain income, such every bit dividends or upper-case letter gains, afterwards nosotros produced your nearly recent taxation form.

On your corrected 1099, yous will find the revision(due south) clearly labeled as "Corrected."

Once all of your 1099 information has been posted to Schwab.com, you will exist able to import your Schwab 1099 Composite data direct into TurboTax or TaxAct revenue enhancement software. Please note: This import capability volition become available on February eighteen, 2022. For more than information regarding importing your 1099 data, please log in and visit our Tax Center.

Account Maintenance FAQs

Account Transfer

Account Transfer

We are delighted you lot've decided to option Schwab. Please visit this link to learn how like shooting fish in a barrel it is to transfer your assets to Schwab.

When we receive notification that an account holder has passed away, we accept steps to protect their accounts and prepare to piece of work with the deceased's estate. The Schwab Relationship Specialist assigned to the case then works with the inheritors and estate professionals to transfer the assets. Most transfers are completed within a few weeks only some tin can take several months, depending on the number and type of accounts. The first pace is to notify Schwab of the death

Business relationship Maintenance

Account Maintenance

If y'all need to alter your countersign or login ID, login and visit the Security Middle. If you're locked out of your account, we tin can assistance y'all log in.

Equally part of our ongoing commitment to protecting your account, we're always updating our technology and protocols to help go along your personal and financial data condom. Through this procedure, you may notice minor updates to the login experience when accessing your Schwab account.

Schwab MoneyLink® is a free service that allows you to electronically transfer funds between your Schwab brokerage accounts and your external accounts at U.Southward. fiscal institutions.

Yous can enroll in MoneyLink, verify trial deposits, and manage existing profiles on Schwab.com past post-obit Accounts > Transfers & Payments > External Accounts. MoneyLink is available for Schwab Brokerage accounts only.

To enroll through the mobile App:

  1. Log in, go to More than, Transfers & Payments, and hit Transfer.
  2. Select External Accounts and click Add together Account.
  3. Select the Terms and Conditions box and click Keep.
  4. Select your financial institution, enter the login credentials for your financial institution and click Proceed.
  5. Choose a 2-Cistron Authentication method and click Go on.
  6. Enter your temporary identification code and click Continue.
  7. Confirm your selected account and click Keep.
  8. A confirmation message will appear.

Save fourth dimension depositing checks by using Schwab Mobile Deposit - nosotros've made information technology easier than ever past increasing many mobile deposit amounts.

Yes, there is a limit on the amount you lot may eolith each mean solar day. Your daily deposit limit amount is conspicuously indicated on the Deposit screen, just nether the Amount field.

For answers to other common mobile deposit questions, visit our dedicated folio.

It depends on where you alive.

If you're a resident of AK, AZ, CA, CO, Hullo, IA, ID, KS, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, or WY, or a member of Armed Forces America or Armed Forces Pacific:

For standard commitment, mail to:
Charles Schwab & Co., Inc.
P.O. Box 982600
El Paso, TX 79998-2600

For Overnight/FedEx/UPS delivery, mail service to:
Charles Schwab & Co., Inc.
1945 Northwestern Drive
El Paso, TX 79912-1108

If you lot're a resident of AL, AR, CT, DC, DE, FL, GA, IL, IN, KY, LA, MA, Doc, ME, MI, MN, MO, MS, NC, NH, NJ, NY, OH, PA, RI, SC, TN, VA, VT, WI, WV, American Samoa, Guam, Marshall Islands, Northern Mariana Islands, Puerto Rico, or the Virgin Islands, or a member of Armed forces Europe:

For standard commitment, mail to:
Charles Schwab & Co., Inc.
P.O. Box 628291
Orlando, FL 32862-8291

For Overnight/FedEx/UPS delivery, mail to:
Charles Schwab & Co., Inc.
1958 Peak Park Blvd.
Orlando, FL 32810

To avoid delays, please exercise non post checks directly to branches.

A problem was identified in early on March that prevented some clients from linking their external banking concern account to their Schwab business relationship. This issue has been resolved. Note that you should confirm your username and countersign for your bank account prior to initiating the external account linking process.

Go to our Send Wire page, log in, and follow the instructions.

Use our dedicated Client FAQ folio for additional questions around moving coin or assets and your business relationship.

Mutual questions about Schwab Intelligent Portfolios®

Common questions nigh Schwab Intelligent Portfolios®

If you want to modify your portfolio allocation, you can review and update your portfolio past retaking the questionnaire online. After log in, click the Profile tab and select Review Profile, then adjust your answers based on your new risk tolerance.

The primary purpose of rebalancing is to continue your portfolio's nugget allocation consequent with your targeted level of risk as markets fluctuate over time. The recommended allocation for your portfolio is based on your goal, time horizon, and take chances profile.

Schwab Intelligent Portfolios are monitored and automatically rebalanced equally needed to keep the allotment consistent with the client'due south run a risk profile as markets fluctuate over fourth dimension. Portfolio allocations are not adapted tactically based on curt-term views about the markets. In a normal environment, rebalancing happens a few times per twelvemonth; during more than volatile times, don't be surprised if this number increases."

Every bit with any investment, all Schwab Intelligent Portfolios contain some level of investment risk. While our most conservative models take lower run a risk, they, too, are susceptible during market volatility.

Transactions (east.g. account closures) can take up to five business organisation days to process. Processing times are too noted in the Schwab Intelligent Portfolios Solutions Brokerage Agreement.

For taxable accounts, the wash sale rule is a auction, and and so repurchase of the same security over a 30-solar day period which disallows the loss for revenue enhancement deduction purposes. During times of market volatility, trading increases both for account rebalancing and tax-loss harvesting purposes. Because of this, when clients adjust their hazard subsequently a trading event has occurred, there could be certain securities within their portfolio that do not trade immediately in order to comply with this revenue enhancement code. However, the merchandise instruction remains in the business relationship and is executed as soon as possible.

Tax-loss harvesting can help starting time capital gains and lower your taxable income past automatically selling an ETF that has fallen enough below the price you paid for it and replacing it with an alternate ETF in the same asset class to keep your portfolio's allocation consistent.

Periods of elevated market volatility highlight the potential benefit of revenue enhancement-loss harvesting as the number of these trades have historically surged when markets turn turbulent. The goal of the Schwab Intelligent Portfolios algorithm is to maintain a portfolio that closely tracks the investor's strategic asset resource allotment and captures tax-deductible losses while generally preventing wash sales in your account. Every bit it's a complicated and time-consuming process, Schwab Intelligent Portfolios has automatic this process.

Nugget Protection FAQs

Nugget Protection

Nugget Protection

Your assets are yours. The SEC's Customer Protection Rule (Rule 15c3-3) safeguards customer assets at brokerage firms by preventing firms from using customer assets to finance their own proprietary businesses. At Schwab, clients' fully paid securities are segregated and then that they are not available to the house. Client greenbacks deposits invested at the broker-dealer are maintained in Special Reserve Accounts For The Exclusive Do good Of Our Customers, as required by the SEC's Customer Protection Rule.

Yeah and Yes. The Securities Investor Protection Corporation (SIPC) was created to protect confronting the loss of customer avails at brokerage firms. SIPC offers protection of up to $500,000, including a $250,000 limit for cash, if a brokerage firm fails and covers nearly types of securities, such equally stocks, bonds, and mutual funds. SIPC does not protect against losses caused by a decline in market value. For more information about SIPC, visit world wide web.sipc.org. In addition to SIPC, Charles Schwab & Co., Inc. customers receive an actress level of coverage. Schwab maintains "excess SIPC" insurance protection for securities and cash up to an aggregate merits amount of $600 million. This coverage helps ensure customer claims volition be covered in the result of a brokerage firm failure and funds covered by SIPC protections are exhausted.

Yes. The Federal Deposit Insurance Corporation (FDIC) is an independent bureau that is backed by the full organized religion and credit of the United States government. Its purpose is to protect depositors' funds placed in banks and savings associations. Since the FDIC was established in 1933, no depositor has lost a penny of FDIC-insured funds. The standard FDIC insurance amount is $250,000 per depositor, per insured bank, per ownership category, and includes accounts held singly or jointly. The same amount applies to trust-owned accounts. Go to www.fdic.gov to acquire more than about FDIC coverage.

All deposit accounts held at Charles Schwab Depository financial institution, SSB are FDIC-insured, including Schwab Bank Loftier Yield Investor Checking® accounts and Schwab Bank High Yield Investor Savings® accounts.

Charles Schwab & Co., Inc., acting equally a deposit broker, can place deposits at FDIC-insured banks on your behalf. In such cases, the FDIC insurance available from the bank "passes through" to yous. FDIC-insured deposits are available through your Schwab brokerage account in two ways:

  • Certificates of deposit. Schwab's CD marketplace, Schwab CD OneSource®, enables you to purchase CDs from FDIC-insured banks across the land. CDs y'all purchase through Schwab are aggregated with other deposits you hold at each issuing establishment and are FDIC-insured upwards to $250,000 per depository financial institution.i Through CD OneSource, yous may buy CDs from multiple banks for added FDIC coverage.
  • Bank Sweep. If the cash feature for your Schwab brokerage business relationship is Banking concern Sweep, your cash balances are automatically swept to deposit accounts at Schwab-Affiliated Banks and are FDIC-insured, in aggregate, upwards to $250,000 per Affiliated Bank, per depositor, for each account ownership category.

You can notice detailed information past account, updated every business day, on the Balances page or by going to schwab.com/login > Accounts > Balances. It is also bachelor on your monthly statement.

IRA Contributions

IRA Contributions

Yes, i of the provisions of the SECURE Act was that yous tin can now make contributions to your Traditional IRA at whatsoever age, equally long as you have earned income. If yous are over age 70.5 and would like to make a contribution to your Traditional IRA, delight call 800-435-4000 or eolith a check. Please note that if you are over historic period 70.5, yous tin only make contributions for the 2020 tax year, non 2019.

COVID-19 Impacts and Other FAQs

Schwab Banking concern COVID-19 Mortgage Payment Relief

Schwab Banking company COVID-19 Mortgage Payment Relief

If you are a Schwab customer who currently has a mortgage or habitation equity line of credit (HELOC) through Charles Schwab Banking company, SSB and Quicken Loans, yous may be eligible for mortgage payment relief.

You can request payment relief in order to suspend your monthly mortgage payments for a period of time, up to 90 days. During this time, interest will keep to accrue on your loan.

The past due corporeality must exist paid at the end of the 90 mean solar day menstruation, or you can contact Quicken Loans to discuss a non-credit impacting loan modification.

There is no fee to make this asking and this will not impact your credit rating.

To acquire more, telephone call Quicken Loans at 800-279-3005. Quicken Loans will be able to assist you lot and discuss options bachelor to yous based on your situation.

COVID-19 Paycheck Protection Program (PPP)

COVID-19 Paycheck Protection Program (PPP)

No. Charles Schwab Bank does not issue Small Business organisation Administration (SBA)-backed loans and does not participate in PPP.

To learn more about PPP, delight visit world wide web.SBA.gov/PPP.

If appropriate for your situation, you lot could consider borrowing against your assets by using a margin loan from Charles Schwab & Co., Inc. or a Pledged Asset Line (PAL) from Charles Schwab Bank. Alternatively, you could also consider borrowing against your home with either a greenbacks-out refinance mortgage, or Home Equity Line of Credit (HELOC), through Charles Schwab Bank's domicile loans provider, Quicken Loans. If you would similar to discuss these borrowing solutions in more detail, please contact your Regional Cyberbanking Managing director at 800-497-7470.

Please annotation that entering into a Pledged Nugget Line and pledging securities as collateral involve a high caste of risk; make sure you understand the risks before you employ.

Schwab Branches

Schwab Branches

We're reopening admission to our branches to public access. Our comprehensive reopening plan includes enhanced safety measures that reflect best practices outlined by the CDC and local authority regulations. Learn more most your local branch here.

Fraud

COVID-19 Fraud

Schwab'southward highest priority is protecting the security of the information and the assets of our clients. Information technology's of import to exist aware of the schemes and tactics fraudsters are employing during this global pandemic.

Schwab'southward Response

Schwab's Response

We proceed to diligently monitor the current situation, while following the guidance of wellness regime, including the CDC. Nosotros're focused on balancing a dual mandate to protect the health and rubber of our representatives and serve clients. Out of an abundance of circumspection nosotros have activated our continuity planning groups to set up for workplace prophylactic and minimize any potential disruption to our operations or customer service. Beyond all our locations, we take restricted travel, canceled Schwab events, and increased our efforts to thoroughly clean our facilities.

We have significantly expanded our remote access approach giving all representatives who have the power to work remotely to do and so.  For everyone working on-site, nosotros are committed to standing to provide a salubrious environment, including following CDC guidelines, enhanced cleaning cycles, and enhanced social distancing.

We will continue to take preventive measures on an ongoing basis to maintain a make clean and salubrious surround.