You have big plans. We can help you get there.

Hello, Ameriprise Financial employees. Ready to take ownership of your financial future? We're here to help, with a wide range of investments and plenty of personal guidance. Plus, enjoy everyday low costs and exclusive offers for you and your colleagues. 

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Have a moment now? Let's get started.

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$0 online listed equity trade commissions are just the beginning.

Friends don't let friends overpay for investing. So we offer $0 online listed stock, exchange-traded funds (ETFs), and options commissions1 (plus $0.65 per options contract). And there are no fees to open and maintain a Schwab account. Our commitment to your satisfaction is even backed by a guarantee.

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Work with us the way you like best.

From robo-advice to a dedicated financial advisor, explore all the ways you can invest with us.  

  • Automated Investing

    Schwab Intelligent Portfolios® will build, monitor, and automatically rebalance a diversified portfolio of ETFs, along with a cash allocation. And you can get help from a Schwab professional 24/7.

  • Automated Investing & Professional Guidance

    Schwab Intelligent Portfolios Premium® offers you automated investing and unlimited 1:1 guidance from a CERTIFIED FINANCIAL PLANNER™ professional. Plus, get a customized digital financial plan to help reach your goals. 

  • Dedicated Financial Advice

    Schwab offers clients the option of a high-touch relationship to help you meet your financial goals. A Schwab Financial Consultant can help you determine the right solution for you based on your needs.

Disclosures

Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium® are made available through Charles Schwab & Co., Inc. ("Schwab"), a dually registered investment advisor and broker-dealer. Portfolio management services are provided by Charles Schwab Investment Advisory, Inc. ("CSIA"). Schwab and CSIA are subsidiaries of The Charles Schwab Corporation.

 

There is no advisory fee or commissions charged for Schwab Intelligent Portfolios. For Schwab Intelligent Portfolios Premium, there is an initial planning fee of $300 upon enrollment and a $30 per month advisory fee charged on a quarterly basis as detailed in the Schwab Intelligent Portfolios Solutions™ disclosure brochures. Investors in Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium (collectively, “Schwab Intelligent Portfolios Solutions”) do pay direct and indirect costs. These include ETF operating expenses which are the management and other fees the underlying ETFs charge all shareholders. The portfolios include a cash allocation to FDIC-insured Deposit Accounts at Charles Schwab Bank, SSB ("Schwab Bank"). Schwab Bank earns income on the deposits and earns more the larger the cash allocation. The lower the interest rate Schwab Bank pays on the cash, the lower the yield. Some cash alternatives outside of Schwab Intelligent Portfolios Solutions pay a higher yield. Deposits held at Schwab Bank are protected by FDIC insurance up to allowable limits per depositor, per account ownership category. Schwab Intelligent Portfolios Solutions invests in Schwab ETFs. A Schwab affiliate, Charles Schwab Investment Management, Inc. receives management fees on those ETFs. Schwab Intelligent Portfolios Solutions also invests in third-party ETFs. Schwab receives compensation from some of those ETFs for providing shareholder services, and also from market centers where ETF trade orders are routed for execution. Fees and expenses will lower performance, and investors should consider all program requirements and costs before investing. Expenses and their impact on performance, conflicts of interest, and compensation that Schwab and its affiliates receive are detailed in the Schwab Intelligent Portfolios Solutions disclosure brochures.

 

The cash allocation in Schwab Intelligent Portfolios Solutions will be accomplished through enrollment in the Schwab Intelligent Portfolios Sweep Program (“Sweep Program”), a program sponsored by Charles Schwab & Co., Inc. By enrolling in Schwab Intelligent Portfolios Solutions, clients consent to having the free credit balances in their Schwab Intelligent Portfolios Solutions brokerage accounts swept to FDIC-insured Deposit Accounts at Schwab Bank through the Sweep Program. Funds deposited at Schwab Bank are insured, in aggregate, up to $250,000 per depositor, for each account ownership category, by the Federal Deposit Insurance Corporation. Charles Schwab Bank, SSB is affiliated with Charles Schwab & Co., Inc. and Charles Schwab Investment Advisory, Inc.

 

Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium are designed to monitor portfolios on a daily basis and will also automatically rebalance as needed to keep the portfolio consistent with the client’s selected risk profile. Trading may not take place daily.

 

Diversification, automatic investing, and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.   

Interested in our investment options?

Interested in our investment options?

Learn more

No matter how you invest with us, you'll always get:

  • 24/7 customer support

    Clear, reliable help from experienced investment professionals as you need it.

    Contact us 24/7

  • Low costs, transparent fees

    • $0 online listed stock, ETF, and options trade commissions1,2
    • $0 account maintenance fees (other charges may apply)
    • 4,000+ no-load, no-transaction-fee mutual funds (when traded online)3
    Compare our fees

  • Schwab Security Guarantee

    We'll cover any losses in any of your Schwab accounts due to unauthorized activity as part of our SchwabSafe security measures. 

    Read more about our security measures
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(0521-126N) (0921-1WE1) (0921-15TL)

 

Investment and Insurance Products Are: Not FDIC Insured • Not Insured by Any Federal Government Agency • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or any of its Affiliates • Subject to Investment Risks, Including Possible Loss of Principal Amount Invested

1. Standard online $0 commission does not apply to over-the-counter (OTC) equities, transaction-fee mutual funds, futures, fixed-income investments, or trades placed directly on a foreign exchange or in the Canadian market. Options trades will be subject to the standard $0.65 per-contract fee. Service charges apply for trades placed through a broker ($25) or by automated phone ($5). Exchange process, ADR, and Stock Borrow fees still apply. See the Charles Schwab Pricing Guide for Individual Investors for full fee and commission schedules.

2. ETFs at Charles Schwab & Co., Inc. ("Schwab") which are U.S. exchange-listed can be traded without a commission on buy and sell transactions made online in a Schwab account. Unlisted ETFs are subject to a commission. Please see pricing guide for additional information. Schwab does not receive payment to promote any particular ETF to its customers. Schwab's affiliate Charles Schwab Investment Management, Inc. ("CSIM") serves as investment advisor to the Schwab ETFs, which compensate CSIM out of the applicable operating expense ratios. The amount of the fees is disclosed in the prospectus of each ETF.

3. Please be aware that transaction fees may apply to certain no-load funds that do not participate in our Mutual Fund OneSource service or any of its affiliates. Such funds are subject to Schwab's standard transaction fees, in addition to any redemption fees imposed by the fund. Get more details about Schwab Mutual Funds.

Charles Schwab & Co., Inc. receives remuneration from fund companies participating in the Mutual Fund OneSource® service. Schwab's short-term redemption fee of $49.95 will be charged on redemption of funds purchased through Schwab's Mutual Fund OneSource® service (and certain other funds with no transaction fees) and held for 90 days or less. Schwab reserves the right to exempt certain funds from this fee, including Schwab Funds®, which may charge a separate redemption fee, and funds that accommodate short-term trading. For trade orders placed through a broker, a $25 service charge applies. Funds are also subject to management fees and expenses. Trades in no-load mutual funds available through the Mutual Fund OneSource service (including Schwab Funds), as well as certain other funds, are available without transaction fees when placed through Schwab.com or our automated phone channels. Schwab reserves the right to change the funds we make available without transaction fees and to reinstate fees on any funds.

Charles Schwab & Co., Inc., member SIPC, receives remuneration from fund companies participating in the Mutual Fund OneSource service for recordkeeping and shareholder services and other administrative services. Schwab also may receive remuneration from transaction fee fund companies for certain administrative services.

If you are not completely satisfied for any reason, at your request Charles Schwab & Co., Inc. (“Schwab”), Charles Schwab Bank, SSB (“Schwab Bank”), or another Schwab affiliate, as applicable, will refund any eligible fee related to your concern. Refund requests must be received within 90 days of the date the fee was charged. Two kinds of “Fees” are eligible for this guarantee: (1) “Program Fees” for the Schwab Private Client (“SPC”), Schwab Managed Portfolios™ (“SMP”), Schwab Intelligent Portfolios Premium® (“SIP Premium”), and Managed Account Connection® (“Connection”) investment advisory services sponsored by Schwab (together, the “Participating Services”); and (2) commissions and fees listed in the Charles Schwab Pricing Guide for Individual Investors or the Charles Schwab Bank Pricing Guide.

For more information about Program Fees, please see the disclosure brochure for the Participating Service made available at enrollment or any time at your request. The Connection service includes only accounts managed by Charles Schwab Investment Management, Inc., an affiliate of Schwab. The guarantee does not cover Program Fees for accounts managed by investment advisors who are not affiliated with Schwab or managed by Schwab-affiliated advisors outside of the SPC, SMP, SIP Premium, and Connection services.

The guarantee is only available to current clients. Refunds will only be applied to the account charged and will be credited within approximately four weeks of a valid request. No other charges or expenses, and no market losses will be refunded. Other restrictions may apply. Schwab reserves the right to change or terminate the guarantee at any time.

Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB cannot guarantee the accuracy of the information included in client reviews.

Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Brokerage products are offered by Charles Schwab & Co., Inc., member SIPC. Deposit and lending products and services are offered by Charles Schwab Bank, SSB, Member FDIC and an Equal Housing Lender.

©2021 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
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