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Welcome USAA members.
Take the next step toward your tomorrow with Schwab.

Do you know if you're on track to reach your goals?

We believe everyone, regardless of how much money they have, can take control of their financial future and make a plan to reach their goals.

Already a client? Log in to get your complimentary plan.

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What is financial planning?

Financial planning helps you understand where you are today and create a roadmap to get you where you want to be. Planning is personalized to you—whether you’re saving for a single goal, like retirement, or need comprehensive planning and wealth management.

  • Discover your goals
  • Consider all aspects of your financial life
  • Identify action steps
  • Create an investment strategy tailored to your goals
Visual graphic illustrating seven common financial planning topics

Why is financial planning important?

Financial planning helps you take control of your future:

  • Feel more confident about reaching your financial goals
  • Save for milestones like college and retirement
  • Build an investment portfolio tailored to your goals
  • Know where you want to go and how to stay on track
This chart demonstrates how financial planning can help propel net worth, showing those with a plan have a 2X average net worth compared to those without a plan. Source: RFI Global 2024/25 MacroMonitor U.S. Household Study of 146,889,000 households. Average reported net worth of households without a plan was $939,218 vs $1,875,637, for those with a plan prepared by a professional

Ready to get started? Schwab can help you with financial planning—whatever your needs may be.

  • Quickly answer specific questions with our calculators.

    Calculator output

    Our calculators and planning tools will help you see how much to save for college, how much your monthly mortgage might be, how to prepare and live in retirement, and more.

    Try our calculators

  • See a more in-depth view with a complimentary financial plan.

    Probability of Success

    We believe saving for retirement is one of the most important goals for most investors. That's why every Schwab client can get a complimentary financial plan focused on retirement. Answer a short questionnaire, and in as little as 15 minutes you’ll be able to see the probability of reaching your retirement goals—and what you could do next.

    See how

Get professional guidance to create a personalized plan and investment strategy.

  • One-on-one advice from a Financial Consultant for planning and investing

    Get one-on-one guidance to help you create a financial plan and investment strategy tailored to your goals. A Financial Consultant can also help you select the right level of services and connect you to specialists for more complex needs. Find a Financial Consultant near you.

Talk to a Schwab professional about financial planning.

IMPORTANT: The projections or other information generated by Schwab Plan™ regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. 

The information here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.   

All expressions of opinion are subject to change without notice in reaction to shifting market, economic or geopolitical conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. 

Please note that there are certain eligibility requirements for working with a dedicated Financial Consultant.