Carrie cannot respond to you directly but will periodically publish questions of general appeal.

We respect your privacy. Your email address will be used only to respond to your questions. It will never be used for any other purposes. All responses to polls and surveys are anonymous and results will be aggregated to support findings related to financial education. For your added protection, please do not include any personally identifiable information in your response.

By clicking on "submit," I agree and consent that Schwab MoneyWise® may, but is not obligated to, use, publish, display, and/or exhibit all or part of my submittal, along with my first name, in connection with this feature or for any other lawful purpose.

The information on this website is for educational purposes only. It is not intended to be a substitute for specific individualized tax, legal or investment planning advice. Where specific advice is necessary or appropriate, consult with a qualified tax advisor, CPA, financial planner or investment manager.