We’re Invested in Financial Empowerment We believe financial literacy is critical to a person’s life-long success. Marquee Icon Callouts For youth We team up with nonprofits to bring personal finance to life through education, skill building, and more For college students Together with our partners, we’re developing a path to financial empowerment for today’s university students For any stage of life We provide access to financial resources for people at all stages of life Fueling a lifelong journey Too many barriers keep people from taking ownership of their financial futures, such as late fees and high-interest credit card debt. Access to financial education can help break down those barriers and open up new possibilities. Financial empowerment is a journey that changes as our lives evolve. So we develop programs and seek out partners that enable us to reach people at key stages throughout their lives. Closing the financial education gap with Moneywise America Closing the financial education gap with Moneywise America At Schwab, we’re putting a stake in the ground to help prepare every teen in America to achieve financial freedom by filling the education gap most schools struggle to address. With the introduction of our groundbreaking new financial literacy program Moneywise America, Schwab will help level the economic playing field for teens, particularly those in under-resourced schools and communities. Moneywise America is one of four Board-approved diversity and inclusion programs announced by the Schwab Executive Council. Moneywise America includes three core components: Extensive employee volunteer training to give employees the competence and confidence they need to meaningfully engage teens in financial education. A standards-based curriculum that was developed for and with teens in mind, coupled with Schwab’s financial literacy and education expertise and third-party experts, including PhD and expert-level teachers. An expanded volunteer infrastructure that offers employees virtual and in-person volunteer opportunities, and that will pair them with their favorite local nonprofits or schools, in addition to Schwab’s established nonprofit relationships, including Boys & Girls Clubs of America and DonorsChoose. Learn more about Moneywise America by visiting www.moneywiseamerica.com Starting early in the classroom Starting early in the classroom It’s best to start young. But without easy access to quality classroom tools and resources, most teachers are not sure how or when to include financial education in K-12 lesson plans. That’s why we’ve teamed up with DonorsChoose.org to address financial literacy. In public schools across the nation, DonorsChoose.org connects teachers with people wanting to fund much-needed materials and classroom projects. Schwab provides support for qualifying financial literacy projects by matching every donation dollar-for-dollar during two yearly campaigns. In addition, Schwab supports teacher needs of all kinds through the platform, most recently contributing to the Keep Kids Learning COVID-19 response fund. Since 2017, we’ve supported more than 5,000 teachers in 3,700+ schools, providing them the educational and financial literacy resources needed to teach more than 1 million students. DonorsChoose.org supports educators like Tamara Walker to teach financial literacy in the classroom DonorsChoose.org "At DonorsChoose.org, we’ve loved working with Schwab to help bring financial literacy to public school classrooms across the country. Schwab’s support means that students of any age can learn to make wise decisions about money, which will impact the decisions they make for the rest of their lives.” Charles Best Founder and CEO DonorsChoose.org Opens in popup + Transcript The Money Matters program at the Boys & Girls Clubs of America Teens today are growing into adulthood facing record lows in savings, record highs in student and consumer debt, a rising cost of living, and uncertain employment prospects. Through immersive experiences, Charles Schwab Foundation launched the Money Matters: Make It CountSM program to help teens tackle these difficult challenges. We partnered with the Boys & Girls Clubs of America (BGCA) to provide teens with a solid foundation in financial literacy so that they can make empowered financial choices as adults. Teens who complete Money Matters show improved financial management skills, including saving money and sticking to a budget. Since 2003, students have participated in Money Matters more than 1 million times. Money Matters Reality Store "Through the Money Matters program, kids are learning about careers and salaries. They see the value of personal responsibility with regard to family, budgeting, and saving. And they get early experience with investing—all in the safety of the club.” Johnny DiBartolo Director of Organizational Development Boys & Girls Clubs of America Money Matters Reality Store helps teens understand how their choices about money and careers have a long-lasting impact Opens in popup + Transcript Getting competitive in high school By the time they get to high school, most American students have never had a course in financial education. So we bring in national political leaders to help address the problem. We work with the SIFMA Foundation to support the Capitol Hill ChallengeTM, a 14-week national competition that matches members of Congress with students, teachers, and schools in their respective district or state. Student teams manage a hypothetical $100,000 online portfolio and invest in real stocks, bonds, and mutual funds. Along the way, they learn about the capital markets and civics as they work together to maximize the returns on their portfolios. Claudia Walker has introduced middle and high school students to the world of investing through the Capitol Hill Challenge Capitol Hill Challenge "For me it’s really important that when my students leave my classroom, they have the tools and knowledge they need to go out and create wealth for their families and their communities—and the Capitol Hill Challenge is a great place to start.” Claudia Walker Teacher Oakland, California Opens in popup + Transcript Strengthening financial smarts at college Strengthening financial smarts at college Universities are where new ideas take off. In 2017, Charles Schwab Foundation launched our latest university partnership with Stanford to offer the Mind Over Money financial literacy program. While available to all students, Mind Over Money pays special attention to populations that may have more pressing needs: first-generation and low-income students, seniors, student athletes, and graduate students . The program includes a dedicated website, online resources, an interactive money management tool, academic courses, workshops, seminars, conferences, and one-on-one financial coaching. We also support college students showing passion and aptitude for finance. Schwab Advisor Services champions the development of talent for and creates awareness of the registered independent advisor (RIA) industry through strong relationships with universities dedicated to financial planning and wealth management education. We engage students at these schools in hands-on industry learning and networking through our RIA Intern Program, Student Program at IMPACT®, and invitations to industry events, and we partner with Charles Schwab Foundation to provide universities with state-of-the-art classrooms, programs, and technologies. A best-in-class model through Mind Over Money A best-in-class model through Mind Over Money Events and workshops Financial coaching Academic courses Online resources Continuing resources for a balanced financial life Continuing resources for a balanced financial life Financial empowerment is a lifelong journey. So we offer clear, comprehensive, and unbiased personal finance resources to support every stage of life. Schwab MoneyWise® is a website with free financial education resources to help people at any age or life stage make smart choices about money. The person who changed my life "Financial literacy is the foundation to financial security, empowerment, and liberation. It builds confidence but also social mobility, which is such a big deal in this country right now. It gives you more choices.” Carrie Schwab-Pomerantz, CFP® SVP and President of Charles Schwab Foundation Leading Advocate for Financial Education Her nationally syndicated Ask Carrie column is available as part of Schwab MoneyWise Carrie Schwab-Pomerantz talks about her passion for financial literacy and philanthropy Opens in popup + Transcript 0619-93WG Brokerage Products: Not FDIC Insured • No Bank Guarantee • May Lose Value Schwab is committed to building a diverse and inclusive workplace where everyone feels valued. As an equal employment opportunity employer, our policy is to provide equal employment opportunities to all employees and applicants without regard to any status that is protected by law (Equal Employment Opportunity policy). Schwab is also an affirmative action employer, focused on advancing women, racial and ethnic minorities, veterans, and individuals with disabilities in the workplace. We believe diversity and inclusion are part of our success as a company and our purpose of serving every client with passion and integrity. The Charles Schwab Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (Member SIPC), offers investment services and products, including Schwab brokerage accounts. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons. TD Ameritrade, Inc. and TD Ameritrade Clearing, Inc., members FINRA/SIPC, are separate but affiliated companies and subsidiaries of TD Ameritrade Holding Corporation. TD Ameritrade Holding Corporation is a wholly owned subsidiary of The Charles Schwab Corporation. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. This site is designed for U.S. residents. Non-U.S. residents are subject to country-specific restrictions. Learn more about our services for non-U.S. residents. © 2021 Charles Schwab & Co., Inc, All rights reserved. Member SIPC. Unauthorized access is prohibited. Usage will be monitored. 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