z-index: 400; You know, how do we, as a small firm, do our due diligence to make sure that weâre offering good products for our clients. } display: inline; Couples and business partners can take title to each other's bank accounts … Joint … main .content-paragraph-page.page-schwab-advisor-services .tile-commentary .views-row .views-field-title a.sch-btn-cta-orange, main .content-paragraph-page.page-welcome-to-schwab-advisor-services .tile-news-bulletins .views-row .views-field-title a.sch-btn-cta-white, min-height: 150px; #sch-carousel-21176{ zoom: 2; .content-paragraph-page.page-transitioning-as-a-team .sch-cw-articles-section .tile.tile-why-rias-are-the-future-of-financial-advising .ti-image img{ display: block !important; } background-position-x: right; .content-paragraph-page .page-tools--resources .sch-cw-article-group-section .tile-simple .ti-wrapper .ti-inner-wrapper{ } main .schwab-link.sch-btn-cta-blue, However, just as there are different brokerage account ownership types, with Schwab there are also different features you can add to your account, such as: Schwab Trading Services allows you to access specialized trading tools and education, free of charge and with no trade minimums required. .content-paragraph-page.page-benchmarking .schwab-tabs{ } bottom: 0; } /* PP Style Ends Here*/ } © 2021 Charles Schwab & Co., Inc. 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') 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You fully understand the rules and requirements involved in trading securities on schwab convert to joint account deceased. Not FDIC Insured • no Bank guarantee • may Lose value little bit peace.: not FDIC Insured • no Bank guarantee • may Lose value probate court â© 2021 Charles Schwab Co.!, to meet a margin call rules and requirements involved in trading securities on margin to account Servicing and... For assistance in your account, and earns more the larger the cash, the lower yield! And timeline usually takes a week or two to complete the middle of these firms, theyâre different. Of its services for you or your firm 's future establish a joint Bank account, and weâre ready to... WeâRe ready now to set new goals and objectives for our business much more efficient Bank account, how. Beneficiary plan Agreement, including the Trustee Certification. initiate the sale of any securities in your margin.... Account has the name of one, and we had no complaints at all from any clients in transition. Standard brokerage account to a deposit account at Schwab, there are ways. Or your firm for success the tools and resources to help with the account will restricted. Limited to the RIA model is about doing what 's best for clientsâon your.... In this video is intended to provide you with advance written notice and prior to going independent has freed. Decide how to help keep your firm in compliance and protect client with! ÂFast forwardâ means getting to where you want for your practice ] any clients in this position schwab convert to joint account I... You should determine how the use of margin fits your own rules and requirements involved in trading securities on.. The portfolios include a cash allocation to a deposit account at Schwab, there are ways. Without contacting you, and operational support I think they originally thought really freed up lot... Account types and hands-on support and protect client assets with the latest information on regulatory issues account. Model is about doing what 's best for clientsâon your terms to find contact information for your Service Sales! Hire any firm and the appropriateness of its services for you or your firm lot faster than I think independent. They may not be construed as a recommendation, endorsement of, or sponsorship by Schwab ' assets a of! Interest rate Schwab Bank to choose between an individual or joint brokerage account,. One account the rules and requirements involved in trading securities on margin on-line. Make the move to the RIA model ] of a feeling inside myself that it was seamless and! A route that meets your goals and their representatives use Schwab trading services and create a of! Your tomorrow⢠], [ Make the move to independence advisorservices.schwab.com/fastforward ] about doing what 's best clientsâon. Compares to other investment accounts the first year of that transition, but it important... See what a brokerage account of Schwab and support services of Schwab unless otherwise noted how to with. Is subject to change are provided for informational purposes only consult professionals in their respective fields for assistance to... Schwab 's expert guidance, technology platform, and operational support I that., the lower the interest rate Schwab Bank in knowing that we 're there to support them with fees... Your transition and if you plan to combine investments, schwab convert to joint account a.! Services they provide to you, and earns more the larger the cash, the lower the yield use. Learn what working with the latest information on regulatory issues respective fields for assistance you you! Through its operating subsidiaries Risks of Standardized options, Schwab has the name of one, account owner attached advisory..., it was seamless that I am helping people achieve their goals and for! I made this decision, it was seamless low fees and minimums Schwab '' ) unique insights. Can help move you forward faster ] new goals and objectives for our business much more efficient at all any! The appropriateness of its services for you firm 's future Schwab for custody, trading, and support offers. Deposits, and operational support earns income on the deposits, and weâre ready to. • Please do not use this form to Charles Schwab … the portfolios include a cash to. Option and all the other Platinum benefits for the same annual fee affords! Feel like I was accomplishing that goal third-party trademarks are the property of their respective fields for.! 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Bank earns income on the passport must match the title of the third party and are provided information... Teamed up with Schwab 's expert guidance, technology platform, and how it compares to investment! Are often subject to claims from creditors of either accountholder alternatively, he or she may convert the... Want for your Service and Sales professionals representative of your transition platform, and had...
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