THE CHARLES SCHWAB
GUIDE TO FINANCES
After Fifty
Answers to Your Most Important Money Questions
CARRIE SCHWAB- POMERANTZ
with Joanne Cuthbertson
T informaion in his book is gnral in naur and no inndd as spcic, individualizd ax, lgal, or invsmn planning advic. Whr spcic advic is ncssary or appropria, plas consul wih a qualid ax advisor, CPA, nancial plannr, or invsmn managr.T discussions of various invsmn tps hroughou h book ar in no way inndd as a soliciaion of any produc or srvic offrd hrough Charls Schwab Co., Inc., is affi lias, or any ohr invsmn rm.Invsing involvs risk, including possibl loss of principal. Invsmn and insuranc producs ar no dposis, ar no FDIC insurd, ar no insurd by any fdral govrnmn agncy, ar no guaraned by a bank or any affi lia of a bank, and may los valu.Much of h informaion hrin is basd on ax yar 2013. Plas considr how ponial changs o h ax cod in fuur yars may affc your planning.T Schwab Cnr for Financial Rsarch (SCFR) is a division of Charls Schwab Co., Inc.Carri Schwab- Pomranz is prsidn of h Schwab Foundaion, snior vic prsidn of Charls Schwab Co., Inc., and chairman of h Board of Schwab Chariabl. Charls Schwab Co., Inc. (Mmbr SIPC), is a rgisrd brokr- dalr and wholly ownd subsidiary of h Charls Schwab Corporaion.T Charls Schwab Foundaion is a 501(c)(3) nonpro, priva foundaion ha is no par of Charls Schwab Co., Inc., or is parn company, T Charls Schwab Corporaion.Schwab Chariabl is h nam usd for h combind programs and srvics of Schwab Chari-abl Fund, an indpndn nonpro organizaion. T Fund has nrd ino srvic agre-mns wih crain affi lias of T Charls Schwab Corporaion.Copyrigh © 2014 by T Charls Schwab CorporaionAll righs rsrvd.Publishd in h Unid Sas by Crown Businss, an imprin of h Crown Publishing Group, a division of Random Hous LLC, a Pnguin Random Hous Company, Nw York. www.crownpublishing.comCROWN BUSINESS is a radmark and CROWN and h Rising Sun colophon ar rgisrd radmarks of Random Hous LLC.Crown Businss books ar availabl a spcial discouns for bulk purchass for sals promoions or corpora us. Spcial diions, including prsonalizd covrs, xcrps of xising books, or books wih corpora logos, can b crad in larg quaniis for spcial neds. For mor infor-maion, conac Prmium Sals a (212) 572- 2232 or - mail spcialmarks@randomhous.com.Library of Congrss Caaloging- in- Publicaion daa is availabl upon rqus.ISBN 978- 0- 8041- 3736- 2
Ebook ISBN 978- 0- 8041- 3737- 9
Prind in h Unid Sas of Amrica
Jackt dsign by Madln Les Jackt photography by Jack Huynh/Orang Photography
10 9 8 7 6 5 4 3 2 1Firs Ediion
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