Podcast appearances and mentions of carrie schwab pomerantz

"With tax withholdings, typically spread across pay periods to avoid a large lump sum in April. Under withholding can trigger penalties. Self-employer or contractors may not have taxes withheld. Be sure to account for all income sources. Deductions reduce the amount of income subject to tax. For some filers, itemizing deductions may make sense. Itemized deductions can include mortgage interest, property taxes, state income taxes, and student loan interest," says Carrie Schwab-Pomerantz.

"In a Traditional IRA, contributions may be tax-deductible and earnings grow tax-deferred. Withdraw funds penalty-free after the age of 59 and a half but pay ordinary income taxes. In a Roth IRA, there is no upfront tax deduction, earnings grow tax-free, and withdrawals are tax-free after the age of 59 and a half. For someone that is self-employed, a SEP IRA can give more than a Traditional or a Roth IRA and allows for higher annual contribution limits," says Carrie Schwab-Pomerantz.

Many people set New Year's resolutions, but sadly, most don't keep them. In this episode Mark Riepe offers several suggestions for keeping you on track with your resolutions, as well as proposing some specific resolutions that can help you better manage your financial life—whatever the date you choose to implement them.Mark talks with Carrie Schwab-Pomerantz about two of the most popular resolutions: setting and sticking to a budget and how to pay off debt.Then Rob Williams, managing director of financial planning and retirement income, discusses ways you can optimize your portfolio—and how you can prepare for the unexpected.Choiceology host Katy Milkman contributed to research about the “fresh start effect,” which is the tendency for people to get motivated to change their life after temporal landmarks like New Year's Day or anniversaries.To read more about setting—and sticking to—your own financial resolutions, check out Rob's article “New Year's Financial Resolutions.”Follow Financial Decoder for free on Apple Podcasts or wherever you listen.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit Schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Important DisclosuresInvestors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges and expenses. You can obtain a prospectus, or if available, a summary prospectus by visiting schwabassetmanagement.com. Please read it carefully before investing.Please read the Schwab Intelligent Portfolios Solutions® disclosure brochures for important information, pricing, and disclosures related to the Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium programs. Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium™ are made available through Charles Schwab & Co. Inc. ("Schwab"), a dually registered investment advisor and broker dealer. Portfolio management services are provided by Charles Schwab Investment Advisory, Inc. ("CSIA"). Schwab and CSIA are subsidiaries of The Charles Schwab Corporation.The information provided 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 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.Investing involves risk including loss of principal.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.This information does not constitute and is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends consultation with a qualified tax advisor, CPA, financial planner, or investment manager.Diversification, asset allocation, and rebalancing a portfolio cannot assure a profit or protect against a loss in any given market environment. Rebalancing may cause investors to incur transaction costs and, when rebalancing a non-retirement account, taxable events may be created that may affect your tax liability.Money market funds are neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.(0123-38Y8)

Many people set New Year's resolutions, but sadly, most don't keep them. In this episode Mark Riepe offers several suggestions for keeping you on track with your resolutions, as well as proposing some specific resolutions that can help you better manage your financial life—whatever the date you choose to implement them.Mark talks with Carrie Schwab-Pomerantz about two of the most popular resolutions: setting and sticking to a budget and how to pay off debt.Then Rob Williams, managing director of financial planning and retirement income, discusses ways you can optimize your portfolio—and how you can prepare for the unexpected.Choiceology host Katy Milkman contributed to research about the “fresh start effect,” which is the tendency for people to get motivated to change their life after temporal landmarks like New Year's Day or anniversaries.To read more about setting—and sticking to—your own financial resolutions, check out Rob's article “New Year's Financial Resolutions.”Follow Financial Decoder for free on Apple Podcasts or wherever you listen.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit Schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Important DisclosuresInvestors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges and expenses. You can obtain a prospectus, or if available, a summary prospectus by visiting schwabassetmanagement.com. Please read it carefully before investing.Please read the Schwab Intelligent Portfolios Solutions® disclosure brochures for important information, pricing, and disclosures related to the Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium programs. Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium™ are made available through Charles Schwab & Co. Inc. ("Schwab"), a dually registered investment advisor and broker dealer. Portfolio management services are provided by Charles Schwab Investment Advisory, Inc. ("CSIA"). Schwab and CSIA are subsidiaries of The Charles Schwab Corporation.The information provided 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 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.Investing involves risk including loss of principal.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.This information does not constitute and is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends consultation with a qualified tax advisor, CPA, financial planner, or investment manager.Diversification, asset allocation, and rebalancing a portfolio cannot assure a profit or protect against a loss in any given market environment. Rebalancing may cause investors to incur transaction costs and, when rebalancing a non-retirement account, taxable events may be created that may affect your tax liability.Money market funds are neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.(0123-38Y8)

Live within your means and avoid debt, says Carrie Schwab-Pomerantz. She discusses financial tips for young people and young parents. She notes that people should spend mindfully by paying attention to where you live and keep your goals in mind. She then goes over good financial accounts for young people, such as a brokerage account to buy and sell stocks, bonds, and mutual funds. She also talks about how young people can manage debt. Tune in to find out more about the stock market today.

"Regarding the holidays and your finances, make a list of who you want to give a gift to and what they would appreciate, while setting realistic spending limits. Make sure your spending does not eat into your savings. You can also go in on gifts with family members. Alternatives to physical gifts include giving your time instead of money, volunteering to babysit or hosting a potluck, and volunteering to give to charity on someone's behalf," says Carrie Schwab-Pomerantz.

Interest rates are moving higher and credit card balances will become more expensive, says Carrie Schwab-Pomerantz. She discusses what investors need to know about recessions, as well as how to protect your finances. She talks about how it may be beneficial to consider diverting unnecessary purchases like eating out or apparel. She then goes over how to invest during a recession. She notes that selling during downturns seals losses. She then goes over having contingency plans during economic slowdowns. Tune in to find out more about the stock market today.

"A lifestyle creep can happen with increasing lifestyle expenses as income increases. You should track spending with a budget and monitor your debts, savings, and changes in net worth. Credit cards and 'buy now, pay later' can make it easy to overspend. No more than 28% of income should be spent on housing and no more than 36% paying off debt. Make saving and investing automatic and utilize 401k and IRA contributions," says Carrie Schwab Pomerantz.

"To create an investment plan, you need to have an emergency fund in place. Make sure that the money invested, you will not need for the next 5 to 7 years. Use your 401k employer's match if possible. Investing done right is not like gambling. Gambling is taking risks that are not likely to pay off and has more risk that you can afford to lose. Investing is taking a long-term disciplined approach and calculated risks are more likely to pay off over time," says Carrie Schwab Pomerantz.

"Inflation increases the cost of goods and services and is driven by supply and demand. As prices go up, purchasing power decreases. People paying more for everything they missed due to record savings and pent-up demand from the pandemic. To counter the impact of inflation, practice diversified investing for the long-term. Pay off debt with variable interest rates and keep fees to a minimum," says Carrie Schwab-Pomerantz.

"Financial literacy is a great equalizer. Financial security starts with a conversation at home by talking to sons and daughters about money the same way. Access to financial education is unequal in the United States as only 21 states require it. Barriers to access include socioeconomics, remote locations, school budgets, expertise, and time," says Carrie Schwab-Pomerantz.

It is important to start early and take advantage of compound growth, says Carrie Schwab-Pomerantz. She discusses investing for retirement without a 401k. She goes over the different ways to invest such as using a traditional IRA, Roth IRA, or SEP IRA. She also talks about how to prioritize retirement savings. She then notes saving for investments outside of retirement. Tune in to find out more about retirement planning.

"Financial planning is a roadmap to where you want to go. Think about a road trip as you will need a plan and directions for how you will get there. Studies show that people who plan will save more than those who do not. You do not need to have a lot of money to warrant a financial plan. Make financial planning tailored to your specific situation and needs. Everyone needs a saving and investing plan for retirement," says Carrie Schwab-Pomerantz.

Budgeting is a crucial tool for understanding how to manage your money, says Carrie Schwab-Pomerantz. She discusses the importance of creating and maintaining a budget. She notes that monitoring your budget will help you see where your money is going. She also talks about using budget boosters to stay on track, as well as avoiding budget busters. Tune in to find out more.

"Financial security starts with a family conversations, which can be uncomfortable, but is crucial. Be mindful of emotions and family members. It is important to establish your family's own money values. In a relationship or marriage, consider a yours, mine, or ours approach. With this approach, you have a joint account for shared expenses and individual accounts and personal needs," says Carrie Schwab-Pomerantz.

Women are afraid to take investment risks, says Carrie Schwab-Pomerantz. She discusses biases women face in finance. She also talks about advice for women to stay engaged in finances. She then goes over financial strategies to build wealth, as well as how to educate your children about finance. Tune in to find out more.

Interview with Carrie Schwab Pomerantz, Expert in Family FinancesHOSTED BY PAUL SULLIVANCarrie Schwab Pomerantz is an absolute expert in family finance. She has served two White House administrations. She advised the Council on Financial Literacy under President George W. Bush, and was later appointed by President Barack Obama to the President's Advisory Council on Financial Capability. She knows first hand that investing fads never work. When she asked her dad, legendary mutual fund pioneer, Charles Schwab, what to invest in, he didn't give her a hot stock tip: he told her to diversify her portfolio and to keep saving. All good money decisions start with a conversation. Listen to her talk about why passing on good values around money is the most important thing you can do.

"Reach a point where you have saved enough money before you invest. Saving sets the stage as investing creates the action by putting money to work. Have an emergency fund in place. Pay off any high-interest debt, including credit cards. Also, take advantage of employer 401K match. Remember that investing involves risk and the potential for investments to lose value," says Carrie Schwab-Pomerantz.

"Getting a hold of your spending and saving is always a good thing. You can do this any time and mid-year is a great half-way point. Studies show that by writing down your goals, people are more likely to achieve them. Complete a financial cleanse if you've felt out of touch with your finances recently," says Carrie Schwab-Pomerantz. She then goes over how a financial cleanse works.

After saving for retirement, focus on emergency fund and paying off credit card debt, says Carrie Schwab Pomerantz. She discusses asset allocation and diversification basics. She talks about now putting all of your eggs in one basket, as well as how diversification does not eliminate the risk of experiences investment losses. She then goes over how new investing practices fit into diversification and what new investors can do right now. Tune in to find out more.

Financial advice and the importance of financial planning. "Studies show that people that plan on average 300% more than those who do not," says Carrie Schwab-Pomerantz. What types of factors are required to customize a financial plan, and is a savings account required? Definition of a savings account is a bank account that earns interest over time. Retirement planning includes an IRA, Roth IRA, and/or a 401k account. "Buying a home, saving for college, or starting a business are all a part of a financial plan," Schwab-Pomerantz adds.

IRA and 401K accounts are important prior to retirement. Once in retirement, it is important to add up your anticipated monthly expenses and split into essential or discretionary. "Tally up all the reliable sources of income in retirement and subtract anticipated expenses from anticipated income to see how realistic your budget is," says Carrie Schwab-Pomerantz. Additionally, emergency funds in retirement can be set up while setting aside enough cash to cover your expenses for at least 12 months in a liquid savings account. "An adequate cash cushion will prepare you to weather a bear market," Schwab-Pomerantz adds. Finally, social security benefits can be taken as early as 62.

The market does not like uncertainty, says Carrie Schwab Pomerantz. She discusses what is causing the recent market volatility, as well as what to do amid increased market volatility. She also talks about the best practices amid market volatility. She then goes over how to handle market fluctuations. Tune in to find out more.

In honor of Women's History Month, I am joined by the amazing Carrie Schwab-Pomerantz! You may know her as the daughter of Charles Schwab, but Carrie is a very passionate and active leader in the financial literacy space herself. Carrie is a CFP and the current President & Board Chair at Charles Schwab Foundation. In this episode she dives into stories of her upbringing, lessons she wishes she had learned earlier about money, what advice she offers young people today and why she believes personal finance is a social justice issue today. You're going to get so many gems from my conversation with Carrie... so, grab a notepad to take notes and enjoy!Follow Carrie:Twitter: https://twitter.com/CarrieSchwabLinkedIn: https://www.linkedin.com/in/carrieschwabpomerantz/Facebook: https://www.facebook.com/CarrieSchwabPomerantz1www.schwabmoneywise.com/The Charles Schwab Guide to Finances After Fifty: https://content.schwab.com/web/retail/public/book/★ Support this podcast on Patreon ★

#BreakTheBias during the International Women's Day is an important sentiment for Carrie Schwab-Pomerantz when it comes in finances. She weighs in on some of the financial biases that women face today, including asking too many questions, not being financial decision makers, one-size fits-all type financial advice, and being unable to take investment risks. Then, Schwab-Pomerantz discusses how education offerings have changed and opportunities post-Covid for women in the workplace.

This week, we continue talking about home ownership and compare the financial impact of renting vs owning a home. We talk through common costs and benefits to home ownership, the average US homebuyer and home purchase, how local markets should affect your decision, and how policy and structural forces influence who benefits most. Sources: “Is Buying a Home a Good Investment?” Nick Holeman, CFP “Millenials Should Be Happy They are Stuck Renting,” Gary Shilling (paywall) “Where to Buy: Price-to-Rent Ratio in 84 U.S. Cities,” Nice Wallace “OK Boomer: Renting is Better than Owning,” A Lawyer and Her Money: Financial Freedom for Female Lawyers Blog. “Is There an Upside to Renting?” Carrie Schwab-Pomerantz

In this episode, we talk with Carrie Schwab-Pomerantz about her incredible life and career. From her first job as a teenage file clerk to raising three kids while growing her career and incredible insight on how underserved populations can start to invest, you'll love meeting Carrie. Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

What is the importance of financial literacy, especially for next-gen investors? Carrie Schwab-Pomerantz says that the lack of financial literacy contributes to bigger social issues and it can be a great equalizer. To help with the cause, conversations should start at home and children, regardless of gender, should be talked to equally about the same financial security topics. This is to combat the fact that access to financial education is unequal in our country. She says that some tips for young investors are to start saving early and open an IRA with the first job. Tune in for the full interview.

Carrie Schwab-Pomerantz, CFP®, is the daughter of Charles Schwab and a leading advocate for financial literacy. She has devoted her career to helping men and women from all walks of life achieve financial security and also oversees Schwab’s corporate philanthropy and employee volunteer programs.   Wes and Carrie discuss a variety of important financial items to consider as you prepare for your happy retirement on today’s episode. Carrie shares when to start saving, what to look at with social security, how much you should save to retire comfortably, why you should still invest in the stock market as you get older, her start with Schwab, and more.   Follow Carrie: @CarrieSchwab Learn more about your ad choices. Visit megaphone.fm/adchoices

The President of the Charles Schwab Foundation, Carrie Schwab-Pomerantz, says that financial literacy is a great equalizer that contributes to bigger social issues of poverty, the wealth gap, and racial inequity. How can the next generation be prepared for financial literacy? She says that financial security starts with a conversation at home as parents need to talk to their sons and daughters about money equally. Her advice for young investors is that they have an opportunity to channel optimism into education about long-term investing and wealth-building. Finally, Carrie also weighs in on the Charles Schwab's Black Investor Survey.

A part of navigating adulthood is learning more about personal finances. One of the steps to understanding your finances is understanding what credit is and why it’s so important for your financial success. We had the honor of interviewing entrepreneur and credit expert, Vrinda Gupta. After receiving her MBA from Berkeley, getting IDEO Business Design experience, and working at Visa for 5 years, Vrinda went on to found Sequin, a fintech startup that strives to get women the credit they deserve. In partnership with IDEO and Visa and backed by strong women such as Carrie Schwab-Pomerantz, Vrinda and Sequin are on a mission to address gender inequality in credit through her credit app Sequin. In this episode, we dive into what credit is and what Sequin does, what factors make up your credit score, and what are some common credit myths. Join us as we take a step toward financial freedom through learning about credit with Vrinda!---------Learn more about Sequin:https://www.sequincard.com/instagram.com/sequin_card---------Follow us on social media:instagram.com/adulthoodpendingpodcastyoutube.com/adulthoodpendingpodcastfacebook.com/adulthoodpendingpodcasttwitter.com/@adultpendingpodtiktok.com/@adulthoodpendingpodcasthttps://www.linkedin.com/company/adulthood-pending-podcast/---------Check out our website:https://www.adulthoodpending.com---------Write us an email at:hello.adulthoodpendingpodcast@gmail.com

Yesterday it was Charles Schwab, today it's his daughter Carrie Schwab-Pomerantz, who joined us to discuss a recent retirement survey conducted by Schwab. The online survey was conducted among 2,000 Americans aged 55 to 75 with at least $100,000 in investable assets.  Among the findings: More than 80% of those who have retired and those soon-to-retire believe their lifestyle in retirement will be everything that they envision Aspiring retirees expect to retire six years later (at age 66) than accomplished retirees did 19% of survey respondents say they or their spouse were financially impacted by COVID-19 52% of respondents say they’re more focused on developing a retirement plan due to COVID-19   It's a true family affair this weekend on Jill on Money! Have a money question? Email me here. Please leave us a rating or review in Apple Podcasts. "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Many people set New Year's resolutions, but sadly, most don't keep them. In this episode Mark Riepe offers several suggestions for keeping you on track with your resolutions, as well as proposing some specific resolutions that can help you better manage your financial life—whatever the date you choose to implement them. Mark talks with Carrie Schwab-Pomerantz about two of the most popular resolutions: setting and sticking to a budget and how to pay off debt.Then Rob Williams, vice president of financial planning and retirement income, discusses ways you can optimize your portfolio—and how you can prepare for the unexpected.Choiceology host Katy Milkman contributed to research about the “fresh start effect,” which is the tendency for people to get motivated to change their life after temporal landmarks like New Year's Day or anniversaries.To read more about setting—and sticking to—your own financial resolutions, check out Rob's article “New Year's Financial Resolutions: Get Your Finances in Shape for 2020.” Subscribe to Financial Decoder for free on Apple Podcasts or wherever you listen.Financial Decoder is an original podcast from Charles Schwab.If you enjoy the show, please leave a ★★★★★ rating or review on Apple Podcasts.  Important Disclosures:Please read the Schwab Intelligent Portfolios Solutions™ disclosure brochures for important information, pricing, and disclosures related to the Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium programs.Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium™ are made available through Charles Schwab & Co. Inc. (“Schwab”), a dually registered investment advisor and broker dealer. Portfolio management services are provided by Charles Schwab Investment Advisory, Inc. ("CSIA"). Schwab and CSIA are subsidiaries of The Charles Schwab Corporation.The information provided 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 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.Investing involves risk including loss of principal.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.This information does not constitute and is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends consultation with a qualified tax advisor, CPA, financial planner, or investment manager.Diversification and rebalancing a portfolio cannot assure a profit or protect against a loss in any given market environment. Rebalancing may cause investors to incur transaction costs and, when rebalancing a non-retirement account, taxable events may be created that may affect your tax liability.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0220-0ZKT)

Many people set New Year’s resolutions, but sadly, most don’t keep them. In this episode Mark Riepe offers several suggestions for keeping you on track with your resolutions, as well as proposing some specific resolutions that can help you better manage your financial life—whatever the date you choose to implement them. Mark talks with Carrie Schwab-Pomerantz about two of the most popular resolutions: setting and sticking to a budget and how to pay off debt.Then Rob Williams, vice president of financial planning and retirement income, discusses ways you can optimize your portfolio—and how you can prepare for the unexpected.Choiceology host Katy Milkman contributed to research about the “fresh start effect,” which is the tendency for people to get motivated to change their life after temporal landmarks like New Year’s Day or anniversaries.To read more about setting—and sticking to—your own financial resolutions, check out Rob’s article “New Year's Financial Resolutions: Get Your Finances in Shape for 2020.” Subscribe to Financial Decoder for free on Apple Podcasts or wherever you listen.Financial Decoder is an original podcast from Charles Schwab.If you enjoy the show, please leave a ★★★★★ rating or review on Apple Podcasts.  Important Disclosures:Please read the Schwab Intelligent Portfolios Solutions™ disclosure brochures for important information, pricing, and disclosures related to the Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium programs.Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium™ are made available through Charles Schwab & Co. Inc. (“Schwab”), a dually registered investment advisor and broker dealer. Portfolio management services are provided by Charles Schwab Investment Advisory, Inc. ("CSIA"). Schwab and CSIA are subsidiaries of The Charles Schwab Corporation.The information provided 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 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.Investing involves risk including loss of principal.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.This information does not constitute and is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends consultation with a qualified tax advisor, CPA, financial planner, or investment manager.Diversification and rebalancing a portfolio cannot assure a profit or protect against a loss in any given market environment. Rebalancing may cause investors to incur transaction costs and, when rebalancing a non-retirement account, taxable events may be created that may affect your tax liability.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0220-0ZKT)

The senior vice president of Charles Schwab on financial planning to reduce stress and how financial disparity affects how women save for retirement.

In today's world virtually everyone participates in the economy as either a borrower or a lender, and most people are both. If you've ever put money in a bank, then you're a lender. If you've ever used a credit card, then you're a borrower. In this episode, Mark Riepe talks with Carrie Schwab-Pomerantz about the liability side of your personal balance sheet—debt. Of course, not all debts are the same.Among the topics Mark and Carrie discuss are “good” debt versus “bad” debt, paying off debt before you retire, and a handy rule of thumb for managing your personal debt level.You can read more about the exponential growth bias and personal finance in this study.Subscribe to Financial Decoder for free on Apple Podcasts or wherever you listen.Financial Decoder is an original podcast from Charles Schwab.If you enjoy the show, please leave a ★★★★★ rating or review on Apple Podcasts.  Important Disclosures: The information provided 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 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. Supporting documentation for any claims or statistical information is available upon request.Examples are hypothetical and provided for illustrative purposes only. They are not intended to represent a specific investment product.Investing involves risk, including loss of principal.This information is not intended to be a substitute for specific individualized tax, legal or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends consultation with a qualified tax advisor, CPA, financial planner or investment manager. Please consult with your tax advisor on the deductibility of home equity line of credit interest payments for your specific tax situation.This offer is subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an obligation to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. Program terms and conditions are subject to change.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(1019-95Z8)

In today’s world virtually everyone participates in the economy as either a borrower or a lender, and most people are both. If you’ve ever put money in a bank, then you’re a lender. If you’ve ever used a credit card, then you’re a borrower. In this episode, Mark Riepe talks with Carrie Schwab-Pomerantz about the liability side of your personal balance sheet—debt. Of course, not all debts are the same.Among the topics Mark and Carrie discuss are “good” debt versus “bad” debt, paying off debt before you retire, and a handy rule of thumb for managing your personal debt level.You can read more about the exponential growth bias and personal finance in this study.Subscribe to Financial Decoder for free on Apple Podcasts or wherever you listen.Financial Decoder is an original podcast from Charles Schwab.If you enjoy the show, please leave a ★★★★★ rating or review on Apple Podcasts.  Important Disclosures: The information provided 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 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. Supporting documentation for any claims or statistical information is available upon request.Examples are hypothetical and provided for illustrative purposes only. They are not intended to represent a specific investment product.Investing involves risk, including loss of principal.This information is not intended to be a substitute for specific individualized tax, legal or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends consultation with a qualified tax advisor, CPA, financial planner or investment manager. Please consult with your tax advisor on the deductibility of home equity line of credit interest payments for your specific tax situation.This offer is subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an obligation to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. Program terms and conditions are subject to change.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(1019-95Z8)

Actress Marlo Thomas, media executive Loreen Arbus and financial literacy advocate Carrie Schwab-Pomerantz tell the Wall Street Journal's Veronica Dagher the secret to giving back, and why philanthropy ultimately makes them feel the most successful.

Last week, I had the great honor of greeting Carrie Schwab-Pomerantz at Stacks House and interviewing her in front of a live audience. We're grateful to have Schwab as one our partners at Stacks House. Together we developed the Retirement Rodeo that houses our famous mechanical piggy bank. Our goal was to bring to life the importance of saving for retirement through an unmatched, memorable experience. Our bucking savings pig illustrates the ups and downs of the stock market and why it's important to hold on. We were excited for Carrie's visit, not just so she could get a chance to experience Stacks House, but because she is such a leading advocate for financial literacy. She is one of America’s most trusted sources for financial advice and has devoted her career to helping men and women from all walks of life achieve financial security. Carrie and I talk about her early days working for her father, the great Charle Schwab, the challenges women face when it comes to securing their futures and what we can do about it, as well as the biggest mistake she ever made with her money. As many of you know, I’m also working with Charles Schwab to help spread financial literacy to the masses and it's been a really great collaboration so far. I'm a Charles Schwab customer and have been for many years. Before we get started, I just want to thank Charles Schwab for helping get this financial education content to you. To learn more about Schwab and how to work with them, visit Schwab.com/SoMoney. Schwab offers a range of services for people looking to invest and plan for their future, whether you want to invest on your own with the help of do-it-yourself tools and educational resources, get some periodic guidance from a professional, or work with someone in a branch. Find it all at Schwab.com/SoMoney. Disclosure: Investing involves risk including loss of principal.   The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. Where specific advice is necessary or appropriate, Schwab recommends consulting your tax advisor, CPA, or financial advisor. Farnoosh has been compensated by Charles Schwab. Farnoosh is not affiliated with Schwab and the views she expresses may not necessarily reflect those of The Charles Schwab Corporation or its affiliates. Farnoosh is a client of Schwab.

Parenting means teaching our teens many important skills, including financial literacy. But are they learning those skills? What can parents do? Mighty Parenting podcast hosts Judy Davis and Sandy Fowler have a candid conversation with financial expert Carrie Schwab-Pomerantz about young adults' financial behaviors and ways to improve finances for families. Our Guest: Carrie Schwab-Pomerantz Detailed Show Notes and Support at MightyParenting.com BONUS:. https://www.patreon.com/mightyparenting

People are hardwired to value earning money more than saving it. A recent report shows that 26% of all workers have saved less than $1,000 for retirement and 64% have saved less than $100,000. In this episode, Mark Riepe talks with Carrie Schwab-Pomerantz about ways to overcome some common mental blocks to saving more—and to put savings on autopilot. You can read more about how much American workers have saved at the Employee Benefits Research Institute. The study “How Much Should People Save?” shows that more than half of workers are considered “at risk” of not being able to maintain their standard of living in retirement. See if you are on track to meet your savings goals with Schwab’s Savings Calculator. Subscribe to Financial Decoder for free on Apple Podcasts or wherever you listen. Financial Decoder is an original podcast from Charles Schwab. If you enjoy the show, please leave a ★★★★★ rating or review on Apple Podcasts. Important Disclosures: The information provided 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 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. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve. Investing involves risk, including loss of principal. Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Podcasts and the Google Podcasts logo are trademarks of Google LLC. Spotify and the Spotify logo are registered trademarks of Spotify AB. (1218-8C1U)

People are hardwired to value earning money more than saving it. A recent report shows that 26% of all workers have saved less than $1,000 for retirement and 64% have saved less than $100,000. In this episode, Mark Riepe talks with Carrie Schwab-Pomerantz about ways to overcome some common mental blocks to saving more—and to put savings on autopilot. You can read more about how much American workers have saved at the Employee Benefits Research Institute. The study “How Much Should People Save?” shows that more than half of workers are considered “at risk” of not being able to maintain their standard of living in retirement. See if you are on track to meet your savings goals with Schwab's Savings Calculator. Subscribe to Financial Decoder for free on Apple Podcasts or wherever you listen. Financial Decoder is an original podcast from Charles Schwab. If you enjoy the show, please leave a ★★★★★ rating or review on Apple Podcasts. Important Disclosures: The information provided 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 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. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve. Investing involves risk, including loss of principal. Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Podcasts and the Google Podcasts logo are trademarks of Google LLC. Spotify and the Spotify logo are registered trademarks of Spotify AB. (1218-8C1U)

Carrie Schwab-Pomerantz may be a Financial Grownup but that doesn’t mean all her friends have been able to grow up. Listen to how she works to get them on track. Plus- the president of the Charles Schwab foundation also shares an everyday money tip about making it easier to give to causes you care about.  For more information, visit the show notes at https://www.bobbirebell.com/podcast/CarrieSchwabPomerantz

What's your greatest financial concern? For many people the number one source of money stress stems from uncertainties around retirement. Specifically, we're worried we won't have enough saved or that we can't afford to retire. Welcome to So Money. This is a special bonus episode, part of a four-part series we’re doing with Charles Schwab, where we’re doing deep dive conversations about really important financial topics. If you've been following along this series you know that we kicked things off with Liz Ann Sonders, chief financial strategist at Charles Schwab, as she gave her perspectives on the stock market. Then we transitioned over to financial literacy and how to educate our young ones about money in a conversation with Carrie Schwab-Pomerantz, President of the Charles Schwab Foundation. Today we turn the focus to retirement and retiring well. For this, we welcome Catherine Golladay, a senior vice president of participant services and administration at Charles Schwab. Catherine has her ears to the ground and understands the issues and complexities surrounding our retirement concerns . Catherine and I discuss the current retirement landscape. What does retirement look like today? How we can all catch up and prepare and what are the specific challenges facing Millennials? For more, visit Schwab Savings Fundamentals Disclosure: Farnoosh has been compensated by Charles Schwab. Farnoosh is not affiliated with Schwab and the views she expresses may not necessarily reflect those of The Charles Schwab Corporation or its affiliates. Farnoosh is a client of Schwab.

How do we educate our kids when it comes to money? Welcome to So Money, everyone. I’m Farnoosh Torabi. Today is a special bonus episode, part of a four-part series we’re doing with Charles Schwab, where we’re doing deep dive conversations about really important financial topics. Earlier this month we spoke with Liz Ann Sonders, chief financial strategist at Charles Schwab, about her perspectives on the stock market. Where are we headed? Also, important steps for first time investors. If you missed that episode, I encourage you to go back and take a listen. Today we’re shifting gears to financial literacy, especially when it comes to our kids. Its’ no secret that, as a nation, we’re a little behind when it comes to knowing just the basics about how to manage money and how to budget. Our guest today is Carrie Schwab Pomerantz, a CFP and president of the Charles Schwab Foundation. She and I will discuss ways to teach our kids about money throughout the ages. How to support financial literacy in schools and the money lessons she’s instilled in her three children. As many of you know, I’m working with Charles Schwab to help spread financial literacy to the masses, and it’s been a really great collaboration so far. I’m a Charles Schwab customer, have been for many years. So before we get started, I just want to thank Charles Schwab for helping get this financial education content to you. For more, check out SchwabMoneyWise.com Disclosure: Farnoosh has been compensated by Charles Schwab. Farnoosh is not affiliated with Schwab and the views she expresses may not necessarily reflect those of The Charles Schwab Corporation or its affiliates. Farnoosh is a client of Schwab.

Carrie Schwab-Pomerantz, author of The Charles Schwab Guide to Finances Over Fifty provides practical and implementable advice to show you how to gain control of your finances.

Retirement and investment planning is rarely black-and-white. The reality is that most of us have a substantial gray zone we go through from fully working until we fully stop working and all of our income sources are flowing full steam ahead. Also "Overtime" with Carrie Schwab Pomerantz (interview part 2).

Carrie is the daughter of Charles Schwab and Vega in working for the then startup in the mid 1970s. Carrie was 16! This remarkable conversation recounts the beginning's of Charles Schwab & Co. in one office room with rotary telephones. Schwab is now a multibillion dollar investment firm. Carrie is now director of the Schwab charitable foundation and thr Schwab donor advised funds.

When you see Carrie Schwab-Pomerantz's name, you might assume the daughter of Charles Schwab grew up quite privileged. After all, the Schwab name has become synonymous with wealth management. Didn't she end up working in the industry by default? Actually, no. Schwab-Pomerantz's parents divorced when she was a child, and her father's firm didn't become a financial force until she was well into her 20s. She was already there working with clients when Bank of America bought the company in 1983, and continued after the company split off again four years later. Today, Schwab-Pomerantz is Chairman of the Charles Schwab Foundation, and a senior vice president at the $56-billion company. She's a certified financial planner, and focuses on reaching out to groups like women, minorities and young people, who tend to have less experience managing their personal finances. I talked to Schwab-Pomerantz for the Fortt Knox podcast to get a sense of her personal journey – successes and mistakes – and also to dig out a lot of practical money tips for professionals who are trying to save for the future while planning big purchases and even raising a family. It's January, after all. There's still time to make good on those money resolutions. Learn more about your ad choices. Visit megaphone.fm/adchoices

There can be personal and financial benefits to working past traditional retirement age. Carrie Schwab-Pomerantz, CFP?, explains.

There can be personal and financial benefits to working past traditional retirement age. Carrie Schwab-Pomerantz, CFP?, explains.

Carrie Schwab-Pomerantz, CFP?, discusses how to prepare your finances for major life changes—whether expected or not.

Carrie Schwab-Pomerantz, CFP?, discusses how to prepare your finances for major life changes—whether expected or not.

Carrie Schwab-Pomerantz - President of the Charles Schwab Foundation, Senior Vice President at Charles Schwab & Co., and the daughter of Charles Schwab! Her newest book is The Charles Schwab Guide to Finance After Fifty: Answers to Your Most Important Money Questions. This week we discuss what it was like for Carrie growing up, how finance was in her blood, her deep understanding of the tough financial questions and what you can do to tackle your toughest money issues at any age. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Quotes from Carrie: What we learn in this episode: How Carrie deals with work, life balance? What was it like watching Charles Schwab & Co. grow from a one man company to the financial massive company that it is today? What is the single most important financial advice you give people on a daily basis? What does Carrie personally believe is the future of Social Security? Resources: www.schwab.com/book http://www.schwabmoneywise.com/public/moneywise/home