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Making the changes that lead to financial fitness can be tough. But we can help make it easier – whether clients are investing on their own, with an advisor, or through a workplace 401(k) plan.

The first step is to set an investing goal. What do you want to achieve? What investing style suits your needs? Self-directed investors can construct their own portfolio or select specific investments like Schwab Target Funds, which are actively managed to adjust as retirement nears. Clients who want more guidance have choices, too. Schwab Managed Portfolios™ delegate mutual fund selection to investment professionals who periodically rebalance portfolios to stay on track. Clients can also receive advice from Schwab Private Client™ consultants or from a member of our network of independent financial advisors. And for independent advisors who are starting their own business, we offer the tools, advice, and financing to help them take the first step.