Schwab's full service planning program charges from 0.80% of assets, with the rate stepping down on larger balances, and enrollment opens at $500,000. Clients get a dedicated advisor plus a support team, and the plan covers income sequencing, tax sensitive withdrawals, insurance review and legacy documents. For smaller portfolios there is Intelligent Portfolios Premium: a $300 one time planning fee and $30 a month, with unlimited access to CFP professionals from $25,000.
The branch network is the practical part: signing paperwork or sorting a wire happens in person instead of in a phone queue. That 0.80% start is not cheap for a portfolio of index funds, and the automated Premium tier parks a fixed slice of the account in cash, which quietly costs return. Investors after private or alternative assets should look elsewhere.
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