Asset Management

Asset Management
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Separately managed accounts

Professionally managed portfolios that give investors a higher level of control, personalization and transparency to investing.

Our approach

Our separately managed account (SMA) product lineup is part of our straightforward and focused approach to investing. We carefully select the strategies we offer to help provide our clients with choices that fit their goals and needs.

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Schwab Asset Management Client Portal

Clients can access Wasmer Schroeder Strategies and Schwab Personalized Indexing accounts through our Client Portal

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What we offer

Our SMA products cover a diverse range of investment strategies and objectives. We focus our offerings on a select set of strategies backed by experienced professionals.

Wasmer Schroeder Strategies

For more than 35 years, Wasmer Schroeder Strategies have been focused on just one thing: fixed income. Our goal is to simplify the complex world of fixed income for both investors and advisors. Simply put, we do the hard work of building and managing fixed income strategies for a wide range of portfolio objectives so our clients don’t have to.

Benefits of Wasmer Schroeder Strategies

  • Dedicated service
    Our commitment to providing fixed income solutions for your clients includes assistance with asset transitions, prompt and reliable communication, in-depth market analysis, and more.
  • Fixed income expertise
    We harness decades of expertise to build fixed income strategies that aim to balance risks and returns to help your clients meet their portfolio objectives.
  • Managed by Schwab Asset Management
    At Schwab Asset Management®, we seek to leverage our experience, data, and insights to help provide value to investors and the advisors who serve them.
Learn more about Wasmer Schroeder Strategies
Wasmer Schroeder Strategies

Schwab Personalized Indexing

Schwab Personalized Indexing is designed to be a core component of an investors portfolio; providing customizable, tax efficient, and professional managed equity portfolios that can be personalized to your goals and values.

Benefits of Schwab Personalized Indexing strategies

  • Tax-loss harvesting seeks to minimize tax liabilities.
  • There is the potential to outperform the index on an after-tax basis, thanks to tax-loss harvesting.
  • Choose from multiple index-based strategies for the market exposure your client prefers, with the ability to exclude individual stock and/or industry categories.1
  • Portfolio managers leverage advanced technology to optimize your client’s portfolio and monitor it on a daily basis
Learn more about Schwab Personalized Indexing Strategies

ThomasPartners Strategies

ThomasPartners Strategies offer two separate investment approaches. The first approach focuses on an all-equities dividend-growth strategy which invests in companies that both pay dividends and have potential to grow their dividends. The second approach focuses on a set of balanced income strategies that is a blend of dividend-growth stocks with fixed income investments. All ThomasPartners Strategies aim to provide monthly income, income growth and competitive total returns over time.

Benefits of ThomasPartners Strategies

  • Designed for recurring monthly retirement income that is less influenced by near-term stock price volatility
  • Seek to provide annual dividend growth to help offset inflation over time
  • Focus on retirement income generation to reduce an investor's need to distribute principal
  • Work to reduce account volatility without sacrificing return potential
Learn more about ThomasPartners Strategies
Thomas Partners Strategies

Windhaven Strategies

Windhaven Strategies offer investors a choice of three broadly diversified strategies consisting primarily of ETFs. Using a proactive approach to global investment management, the Windhaven Strategies portfolio management team dynamically adjusts asset allocations, striving to capture growth in rising markets while attempting to reduce exposure in declining ones.

Benefits of Windhaven Strategies

  • Focus on broad, global diversification by investing in a range of asset classes
  • Managed by a team that constantly evaluates opportunities and risks and adjusts asset allocation accordingly
Learn more about Windhaven Strategies
Windhaven Strategies

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1. The extent to which holdings can be personalized is subject to account type and investment management guidance. All accounts may exclude up to three securities

Please refer to the Charles Schwab Investment Management, Inc. Disclosure Brochure for additional information.

Portfolio Management for Schwab Personalized Indexing, ThomasPartners Strategies, Windhaven Strategies, and the Wasmer Schroeder Strategies is provided by Charles Schwab Investment Management, Inc., dba Schwab Asset Management®, a registered investment adviser and an affiliate of Charles Schwab & Co., Inc. ("Schwab"). Schwab Asset Management and Schwab are separate entities and subsidiaries of The Charles Schwab Corporation.

There are risks associated with any investment approach, and the ThomasPartners Strategies have their own set of risks:

First, there are the risks associated with investing in dividend-paying stocks, including but not limited to the risk that stocks in the Strategies may reduce or stop paying dividends, affecting the Strategy’s ability to generate income.

Second, investor sentiment could cause dividend-paying equities to fall out of favor and decrease in price.

Third, there are risks associated with investing in fixed income asset classes, including through the use of exchange traded funds (ETFs), that include but are not limited to: interest rate risk, credit risk, high yield risk, and government security risk.

Fourth, there are risks associated with investing in international stocks, including but not limited to: differences in financial accounting standards, currency fluctuations, geopolitical risk, foreign taxes and regulations, and the potential for illiquid markets.

Fifth there are risks with Master Limited Partnership (MLP) securities (units) that differ from an investment in common stock. Holders of the units of MLPs have more limited control and limited rights to vote on matters affecting the partnership. For example, unit holders may not elect the general partner or the directors of the general partner, and they have limited ability to remove a MLP’s general partner. MLPs may issue additional common units without unit holder approval, which would dilute existing unit holders. In addition, conflicts of interest may exist between common unit holders, subordinated unit holders, and the general partner of a MLP, including a conflict arising as a result of incentive distribution payments. As an income producing investment, MLPs could be affected by increases in interest rates and inflation. There are also certain tax related risks associated with an investment in units of MLPs, including that MLPs may convert to a C-Corporation. This conversion could cause a cut in distributions as well as an adverse tax event for long-time owners of the MLP.

Lastly there are risks associated with Real Estate Investment Trusts (REITs), including REITs will be subject to the risks associated with the direct ownership of real estate, including fluctuations in the value of underlying properties, defaults by borrowers or tenants, changes in interest rates and risks related to general or local economic conditions. REITs are also subject to certain additional risks, for example, REITs are dependent upon specialized management skills and cash flows, and may have their investments in relatively few properties, a small geographic area or a single property type. Failure of a company to qualify as a REIT under federal tax law may have adverse consequences on a client account. In addition, REITs have their own expenses, and a client account will bear a proportionate share of those expenses.

There are risks associated with any investment approach, and each Schwab Personalized Indexing strategy and equity market segment has their own set of risks based on client strategy selection and further customization. Please refer to the Charles Schwab Investment Management, Inc. Disclosure Brochure and Schwab's disclosure brochure for additional risk disclosure information.

There are risks associated with any investment approach, and Windhaven Strategies have their own set of risks to be aware of. First, there are the risks associated with the long-term strategic holdings for each of the strategies. The more aggressive the Windhaven strategy selected, the more likely the strategy will contain larger weights in riskier asset classes, such as equities. Second, there are distinct risks associated with the Windhaven Strategies’ shorter-term tactical allocations, which can result in more concentration toward a certain asset class or classes. This introduces the risk that Windhaven Strategies could be on the wrong side of a tactical overweight, thus resulting in a drag on overall performance or loss of principal.

There are risks associated with any investment approach, the Wasmer Schroeder Strategies have their own set of risks. The Wasmer Schroeder Strategies invests primarily in fixed income instruments and as such the strategies are subject to various risks including but not limited to interest rate risk, reinvestment risk, credit risk, default risk and event risk. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors.

Diversification strategies do not ensure a profit and do not protect against losses in declining markets.

Investments in managed accounts should be considered in view of a larger, more diversified investment portfolio.

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Investment and Insurance Products Are: Not FDIC Insured • Not Insured by Any Federal Government Agency • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any of Its Affiliates • Subject to Investment Risks, Including Possible Loss of Principal Amount Invested

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