Rob Williams CFP®, CRPC®, Managing Director, Financial Planning, Retirement Income and Wealth Management, Schwab Center for Financial Research Get Rob Williams's perspective on the industry. Take a look at what Rob Williams has written or been featured in. Personal Finance & Planning Personal Finance Calendar for 2022 Our month-by-month guide to help get your finances in top shape this year. 2022 Schwab Market Outlook 2022 Financial Planning Outlook: 3 Trends and Implications Use these trends as the starting point for a conversation about your financial, investing, or wealth management plan. Retirement Saving for Retirement: IRA vs. 401(k) We break down which retirement accounts—IRAs or 401(k)s— may be right for you.