Retirement Services: More than a 401(k).

Your plan, their future. We focus on tailored options and a flexible approach designed to help you maximize your employees' retirement outcomes.

Designed to benefit your business and your employees.

A retirement plan is key to future retirement income for nearly everyone. But people's financial lives are bigger than saving for retirement. That's why our approach is designed to help you offer a competitive benefit that gives your employees the support they need to work toward their financial goals.

Your retirement plan—optimized.

Schwab Retirement Services is known for pioneering innovations that span the retirement industry—from open architecture to the 401(k) plan designed to include exchange-traded funds in the core lineup. That puts us in an ideal position to help you build a retirement plan approach that fits your business and your employees.

Your choice, your way.

You can work with us in the way that suits you best, either pairing our services with the independent plan providers1 of your choice or selecting comprehensive, integrated plan services. Based on your needs, we can help you determine which approach is best.

No matter what your needs are, you'll have access to retirement professionals who can provide information to help you select, customize, and administer plan features that make sense for your business.

Two approaches.

See approaches

  • Comprehensive 401(k) plan services.

    A streamlined source for your retirement plan, Schwab Retirement Plan Services, Inc. acts as the recordkeeper, serving plans with $10M+ in assets under management.

    Charles Schwab Trust Bank acts as your plan's custodian and trustee.

  • 401(k) plan services paired with independent providers.

    Combining expertise, Schwab Retirement Business Services works with retirement advisors and independent recordkeepers to support retirement plans of all sizes and types.

    Charles Schwab Trust Bank acts as your plan's custodian and trustee.

Gain flexibility with additional plan options and offers.

  • Defined benefit plans
  • Employee stock ownership plans
  • Profit-sharing plans
  • Nonqualified deferred compensation plans
  • Self-directed brokerage accounts
  • Extended investment options