Your employees' 401(k) experience.

Because no two employees are in the same financial situation, Schwab Retirement Plan Services has built a participant experience to support a diverse workforce. Using a combination of innovative technology and thoughtful service from real people, we provide your employees with the tools, resources, and access to a broad range of solutions to help them address their financial hurdles and work toward reaching their retirement goals.

Meeting individual needs with an individualized approach.

Our individualized services and access to a broad range of solutions are designed to help your employees work toward their retirement goals. They can get easy access to your retirement plan and all its features through our user-friendly website or on-the-go with our mobile app. And we address financial wellness throughout the entire experience. The results speak for themselves: When surveying plans we service, 93% of participants say they feel better prepared to take the next step.1

  • Engage

    Help drive involvement with both the plan and their finances.

  • Connect

    Provide flexible, consistent, and seamless human and digital support.

  • Empathize

    Address both their feelings and behaviors about money.

  • Help

    Provide education, tools, and guidance for their diverse financial needs.

  • Solve

    Guide them to learn more about solutions they can use to work toward their financial goals.

Individualized experiences to prompt action.

  • Personalized messaging

    A person uses a tablet.

    We deliver personalized messaging based on participant data that helps us monitor how and when participants like to be communicated with. We help address participants' diverse financial needs across multiple channels.

  • Track retirement goals

    A person holds a cellphone.

    Through our interactive tool My Retirement Progress™,2 your employees can see how much they've saved, track their progress, and learn how plan adjustments will affect their ability to achieve their retirement goals.

  • Financial wellness at work

    Retirement is just one aspect of your employees' financial lives. My Financial Guide is a dashboard where 401(k) participants can complete a questionnaire and receive personalized resources, relevant tools, and suggested next steps on topics such as emergency savings, debt management, and estate planning.

Seamless human and digital support to connect to the help they need.

Through access to a broad array of tools and educational resources, we help your employees understand their options and work toward reaching their financial goals in a way that works best for them. With Schwab Retirement Plan Services, your employees can access features including:

  • Third-party advice³

    Receive personalized saving and investment recommendations from an independent registered investment adviser.

  • Calls and coaching

    Connect with coaches trained in emotional intelligence and who can help address financial barriers for beyond-the-plan financial needs.

  • Financial wellness support

    See retirement as one piece of a broader financial life and access support working toward other goals, such as emergency saving, debt management, and home buying.

  • Chat with us

    Have questions answered by a real person and move seamlessly between online and phone conversation.

  • On-demand learning

    Explore an extensive library of webcasts and videos on topics like budgeting, managing debt, and investing.

  • More financial literacy

    Access Schwab Moneywise®,4 a collection of educational resources and tools, including the retirement and savings calculators.

Simplified student loan management

Simplified student loan management

Vault Advisor*, a comprehensive student loan resource, can help employees get ahead of student loans with a dashboard of all student loans in one place, modeling of customized payoff plans, and educational resources—at no extra cost.

Make your 401(k) plan the best part of your employee benefits package.