Schwab Intelligent Portfolios – FAQ – Getting Started

How do I add money to my Schwab Intelligent Portfolios explanation ?
Log in to your report and choose Transfer Money. Select an existing account or add a non-Schwab account for transfers. To add a new account, you ‘ll need your route and account number. In addition to making a erstwhile deposit, Transfer Money is besides where you can set up a recurring deposit .
Can I roll over my 401 ( k ) or IRA ?
Of course ! After considering your options you can choose a Rollover or Roth IRA account, these rollovers are equally simple as contacting your former employer plan administrator or custodian and telling them you want a target rollover of your plan assets.

Next Steps
• Complete any forms required by your plan administrator or custodian .
• Decide how you want your retirement assets distributed .
• Your Schwab rollover specialist can assist you with questions depositing funds into your Schwab Intelligent Portfolios IRA .

Tips
• To prevent funds from being taxed, the check should be made account payable to “ Charles Schwab & Co., Inc., FBO ( Your name ). ”
• For an easy depository, give your employer your Schwab Intelligent Portfolios IRA bill number and ask them to include it on the check mark .
• Instruct your plan administrator or custodian to mail the check to : Charles Schwab & Co., Inc., P.O. Box 628291, Orlando, FL 32862-8291 .
If you need help, give us a call at 866-855-9102 to talk to a Rollover Consultant. If you are presently a Schwab Plan participant, please call 800-724-7526 .

How do I enroll an existing Schwab report into a Schwab Intelligent Portfolios bill ?
foremost, you should identify if you want to enroll a taxable or tax-advantaged account into Schwab Intelligent Portfolios. You can see the types of accounts normally used below. You will need to have this information when you are completing the on-line questionnaire to receive a portfolio recommendation .
Taxable account types: Individual, Joint Tenant, Tenants in Common, Community Property, Custodial, Revocable Living Trust
Tax-advantaged account types : traditional IRA, Roth IRA, Rollover IRA, Inherited IRA, SEP-IRA, SIMPLE IRA
To start the serve, visit intelligent.schwab.com and log in. Select Open Account in the left train. You will enter the on-line questionnaire to build your portfolio. After you answer all the questions, you will receive a portfolio recommendation. On the next page, choose Schwab Intelligent Portfolios, and you will begin the report registration process .
You will be presented with two options – “ Open a new report ” or “ Enroll an existing Schwab report. ” Select the latter. On the following foliate, you will have the ability to select the Schwab account you would like to enroll. once you follow the prompts to review the allow disclosures, your account will be enrolled into Schwab Intelligent Portfolios, and your funds will probable be liquidated from your existing Schwab history and invested into your Schwab Intelligent Portfolios account within 3-5 days .
note : if you are matter to in a Schwab Intelligent Portfolios Premium account, you ‘ll first need to enroll in a Schwab Intelligent Portfolios account then select “ Explore Premium ” in the leave seafaring after log in.
How long does it take for transactions to settle ?
Transactions ( for example, account closures ) can take up to five commercial enterprise days to process. Processing times are besides noted in the Schwab Intelligent Portfolios Solutions Brokerage Agreement .
Can I make a partial withdrawal from my history ?
Yes, you can withdraw cash from your history at any meter by logging in and selecting “ Add/Withdraw Money. ” If the request sum is less than the cash allotment in your portfolio, you can transfer it to another Schwab account immediately or to a linked external report overnight. If the withdrawal request exceeds your portfolio ‘s cash allocation, we will sell ETFs to generate the request come of cash. The march and liquidation takes between 4-6 clientele days .
After your withdrawal, your portfolio will be rebalanced to its prey asset allotment if it has drifted significantly from the portfolio ’ s original aim. Your withdrawal may besides cause your account to become ineligible for tax-loss reap if you have enrolled in the service and your bill falls below the $ 40,000 minimum .
If I transferred into Schwab Intelligent Portfolios from another Schwab report, does my beneficiary dribble over ?
No, beneficiaries are singular to each account number. You will need to establish fresh benefactive role instructions for any report you open .
How do I add a beneficiary to a retirement bill ?
Log in to Schwab.com and voyage to Service > My Profile > Beneficiaries. On this page you can manage your beneficiaries for your eligible accounts .
How do I add a beneficiary to a taxable, non-retirement account ?
start by logging in at intelligent.schwab.com :

1. Click on Legal & Account Forms  from the menu
2. Scroll down to Account Servicing Forms  and select Designated Beneficiary Plan Application
3.   Complete, signboard and return the Designated Beneficiary Plan Agreement .
You can return this kind to Charles Schwab in a total of ways .
• on-line : scan your completed paper kind, log in to your Schwab Intelligent Portfolios report, blue-ribbon ” Contact Us ” from the menu options and upload the phase as an attachment .
• Fax : You can fax your form to 888-526-7252 ( El Paso Operations ) or 800-955-7561 ( Orlando Operations ) .
• chain mail : Please follow the instructions on the form .
• In Person : Return your completed form to the nearest Schwab outgrowth .
If you have any questions, call us at 1-855-694-5208 .

How do I change my portfolio asset allotment ?
If your goals are long term or have n’t changed, it ‘s a good idea to stay the path. however, if you hush want to change your portfolio allotment, you can review and update your portfolio by retaking the questionnaire on-line. After log in, click the Profile pill and choose Review Profile, then adjust your answers based on your newfangled risk permissiveness .
As a Schwab Intelligent Portfolios Premium customer, how do I schedule an appointment with a CERTIFIED FINANCIAL PLANNER™ professional ?
After you log in, you can use the on-line scheduler to set up a call or video recording chat appointment. If you need to reschedule, plainly click the “ reschedule ” connect in either the ratification e-mail or your on-line splashboard, and reschedule your date for a more convenient time .
How should I prepare for my appointment with a CERTIFIED FINANCIAL PLANNER™ professional ?
If applicable, we recommend involving your partner or spouse. besides, have the documents you used to complete the on-line planning tool on hand for discussion during the date. If you connect to your fiscal accounts automatically, it may still be helpful to have your documents on hand. Review the checklist so you ‘re cook to make the most of your appointment. You ‘ll need :
• Investment report statements
• Recent paycheck
• holocene tax returns
• Employee retirement account information
• If applicable : Social Security statements
• Annual statement or policy compendious on life insurance : character, agio, coverage termination dates
• Basic estate planning information such as will, trust, etc .
How do I start creating my Schwab Intelligent Portfolios Premium plan ?
Simply open the secure on-line planning tool and begin by identifying your goals. As you move through the procedure, you can play with different scenarios to help you see the potential impacts of your choices. You can do it all at your own pace, saving what you ‘ve entered and coming back when you ‘re ready. For the best feel, we recommend that you :
• Involve your partner or spouse, if applicable
• Use a laptop or desktop calculator
• Have entree to all your fiscal accounts ( or you can connect to your existing accounts mechanically )
What should I expect during an appointment with a CERTIFIED FINANCIAL PLANNER™ master ?

Whether you meet by phone or television chat, the CFP® professional will review the information you entered in the on-line plan instrument, discuss your personal situation, and create a custom-make legal action plan for you to follow in avocation of your goals. Ongoing, a CFP® professional will be available to you for annual check-ins or when your goals or needs change .
The initial meet lasts about an hour. Check-ins last about 30 minutes .
A CFP® master will contact you by telephone at the schedule date and time. When logged in to Schwab Intelligent Portfolios Premium you will see a “ Join Meeting ” button in the Appointment Details section 15 minutes before the schedule meet. The button will change to “ Meet now ” 5 minutes prior to the schedule start time. You may then access the virtual meet room. Since the CFP® professional will contact you by call, you do not need to connect audio in the video recording conference seance .

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