Trust your family's legacy to Schwab Personal Trust Services.
Our professionally managed trust services, offered through Charles Schwab Trust Company (CSTC), provide the expertise, dedicated relationships, investment management, administration services, and flexibility you need to help provide peace of mind for your loved ones.
Who should administer your trust?
Who should administer your trust?You've built a solid financial foundation for yourself and your family. A trust helps to protect and manage your assets, ensuring your legacy can support your loved ones now, and in the years to come.
Whether you're working with an attorney to update a current trust or to create a new trust, one of the most important decisions you can make is who'll administer it. The trustee you choose must be able to impartially manage your trust assets throughout the full term of your trust and have a solid understanding of the legal complexities and administrative duties required.
Given the depth of responsibility, time commitment, and expertise this role requires, a corporate trustee can be an excellent choice.
What are the benefits of a corporate trustee?
What are the benefits of a corporate trustee?Working with a corporate trustee like Charles Schwab Trust Company not only lifts the administrative burden from your family, but also offers the advantages of:
- ✓Fiduciary objectivity. As a fiduciary, we'll administer your trust in a professional and impartial manner.
- ✓Professional trust experience. We have the expertise to carry out all the duties of a trustee, including the investment of trust assets, administration of your trust in accordance with its terms, professional and timely recordkeeping, and preparation and filing of trust income tax returns.
- ✓Continuity. We can provide seamless, responsive trust administration and trust portfolio management for as long as your trust endures.
- ✓Favorable trust situs. We administer trusts under Nevada law, providing potential tax and administrative advantages, regardless of where your trust was established.
What type of services does Charles Schwab Trust Company provide?
What type of services does Charles Schwab Trust Company provide?A team of our trust professionals will be assigned to your trust to provide a variety of trust services. In addition to serving as a point of contact for your beneficiaries, your team will also provide:
Administration services
- ✓Income and principal distributions according to the trust document
- ✓Preparation and filing of fiduciary federal and state tax returns
- ✓Accurate and timely accounting, recordkeeping, and reporting
Investment management services
- ✓Professional investment management of your trust assets, including portfolio adjustment to meet changing market demands
- ✓Flexible investment options—including the ability to allow a named investment fiduciary to manage the trust assets—for clients with $10 million or more in assets at Schwab
Types of trusts we help administer
Every family's situation is different. Our trust officers have experience administering a wide range of trust structures, including:
Revocable living trust
Keeps assets out of probate while giving you flexibility to make changes during your lifetime.
Irrevocable trust
Removes assets from your taxable estate and can offer added creditor protection for beneficiaries.
Testamentary trust
Created through your will and funded after your passing, often used to provide for minor children.
Special needs trust
Provides for a loved one with a disability without affecting their eligibility for public benefits.
Meet your trust team
When you work with Charles Schwab Trust Company, you're assigned a dedicated team who gets to know your family and your goals.
Charles R. Schwab
Co-Chairman | Director since 1986
Walter W. Bettinger II
Co-Chairman | Director since 2008
Marianne C. Brown
Director since 2020
"Schwab's trust team made a difficult time so much easier. They handled every detail with patience and were always available to answer our questions."
— Schwab Personal Trust Services client
Some frequently asked questions.
A trust is a legal arrangement that lets you (the grantor) transfer assets to a trustee, who manages and distributes those assets for the benefit of your chosen beneficiaries, according to the terms you set out in the trust document.
A corporate trustee is a bank or trust company—like Charles Schwab Trust Company—appointed to administer a trust impartially and professionally, rather than an individual such as a family member or friend.
You can work with your attorney to name CSTC as trustee in a new or amended trust document, or contact a Schwab trust specialist who can walk you through the appointment process and required documentation.
Insights on trusts & estate planning
5 documents every estate plan should include
From wills to powers of attorney, here's what to have in place.
Revocable vs. irrevocable trusts: what's the difference?
Understand the tradeoffs so you can choose the right structure.
Talking to your family about your trust
Tips for starting the conversation with beneficiaries early.
Explore more about trusts and how Schwab can help.
Ready to get started?
If you would like to discuss how Schwab can provide professional trustee services for your personal trust, email us at support@schwabllc.com.
This information is for general informational purposes only and is not intended, nor should it be construed, as tax, investment, or legal advice. Charles Schwab Trust Company does not provide legal or tax advice. Consult with your legal counsel and tax advisor about your particular circumstances.
Charles Schwab & Co., Inc. ("Schwab") is affiliated with Charles Schwab Trust Company (CSTC), the corporate trustee for Schwab Personal Trust Services (SPTS) and Schwab Wealth Trust Services (SWTS). Schwab may introduce clients to CSTC but does not evaluate whether SPTS or SWTS is appropriate for each client or recommend SPTS or SWTS for any particular client. It is the client's responsibility to ensure that CSTC meets his or her trust needs and to conduct any due diligence that may be required before engaging CSTC.
Schwab and Schwab Wealth Advisory, Inc., a Registered Investment Advisor and an affiliate of Schwab, both earn compensation from CSTC for services provided in connection with SPTS or SWTS. CSTC may invest trust assets in a wrap fee program or make use of investment advisory services which are sponsored by Schwab and/or in which Schwab affiliates provide discretionary and non-discretionary investment recommendations. Schwab and its affiliates earn compensation for assets selected or recommended by Schwab-affiliated advisors, including management fees for Schwab affiliate mutual funds and shareholder servicing fees for mutual funds that are participating in the Schwab Mutual Fund OneSource program.
Schwab Financial Consultants who introduce you to CSTC will receive compensation if you choose to use SPTS or SWTS. CSTC receives fees in connection with the administrative services or the investment management services as permitted pursuant to the terms of the trust document.
In selecting a trust service, you should consider whether to combine trust administrative services with trust investment management services, or select each service through separate providers. This includes administrative or trust investment management services, or both, at different costs.
Charles Schwab & Co., Inc.; Schwab Wealth Advisory, Inc.; and Charles Schwab Trust Company are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation.
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