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.

Multiple options for a wide array of plan sizes and types.

  • Small Business Retirement Accounts
  • Pair with Independent Plan Providers
  • Comprehensive 401(k) Plan Services

Solution finder for advisors

Use this solution finder by selecting the boxes below to help you learn more about the different retirement plans, accounts, and products we offer.

Plans and Accounts Products Comprehensive 401(k) Plan Services $10 million + Small Business Retirement Accounts <$1 million Pair with Independent Plan Providers Any size plan Schwab Retirement Advisor Portfolio $1 million + Offered by Schwab Trust Bank $0 $250M $500M $750M $1B + Plan assets

Plans and Accounts

Comprehensive 401(k) Plan Services

$10 million +

Comprehensive 401(k) Plan Services

$10 million +

Schwab Retirement Plan Services (RPS)

Our comprehensive retirement plans are integrated offerings that ensure your clients and their participants are equipped for success.

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.

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Pair with Independent Plan Providers

$1 million +

Independent Plan Providers and Schwab

Any size plan

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, you get an ideal combination of expertise and support from an independent recordkeeper, an independent investment advisor, and Schwab.1

Flexible investments

With Schwab’s commitment to open architecture, independent plan providers have access to a wide array of investments that give them 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.

More investment options

Schwab Bank Savings2

Plan sponsors and advisors often evaluate capital preservation investments as an important part of a diversified investment strategy. In addition to money market fund and stable value fund options, Charles Schwab Trust Bank offers Schwab Bank Savings, a money market deposit account designed for retirement plans, which offers FDIC coverage to participants up to the maximum insurable limit.3

Exchange-traded funds for retirement plans (ETF T+1)4

ETF T+1 is a trading service from Charles Schwab Trust Bank that allows you to select ETFs as part of a retirement plan’s core fund lineup, and trade and settle ETFs in the same time frame as mutual funds.

See our Resources page

Trust and custody services

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 Trust Schwab Bank, you can feel confident knowing account assets are protected by a wide-ranging combination of safeguards.

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Small Business Retirement Accounts

$1 million and below

Small Business Retirement Accounts

$1 million and below

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.

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Schwab Retirement Advisor Portfolio

$1 million +

Schwab Retirement Advisor Portfolio

$1 million +

Bring a separately managed account approach to pooled retirement plans with Schwab Retirement Advisor Portfolio. Schwab Retirement Advisor Portfolio, available through Charles Schwab Trust Bank, includes a mix of eligible stocks, bonds, exchange-traded funds (ETFs), and other investments, and enables you to customize the investment choices in the retirement plans you manage.

Learn more

Schwab Personal Choice Retirement Account® (PCRA)5

With a self-directed brokerage account, sophisticated investors can actively manage their own investments, beyond their plan’s core mutual funds. PCRA gives your clients access to thousands of additional investment choices; one of the largest selections of no-load, no-transaction-fee mutual funds6 available; and commission-free7 Schwab Exchange-Traded Funds™ in a self-directed brokerage account offering. It’s a great option for clients using one of the Comprehensive Plan Services or Pair with Independent Plan Providers solutions.

Learn more about Schwab PCRA.