Schwab Intelligent Portfolios Premium

The Premium version of Schwab's robo-advisor adds unlimited access to human CFPs for a flat monthly fee. This bridges the gap between automated investing and full-service wealth management. You get a personalized financial plan, ongoing guidance, and the ability to discuss complex topics like tax strategy and retirement income planning with a professional. It is ideal for investors who appreciate the efficiency of a robo-advisor but want the peace of mind that comes with having a human expert in their corner.