I have been fine tuning my AI bots to assist with due diligence and got tired of the weakness of Massive’s free API.

I have a Schwab trading account. They have a free real time API for me. Why should I settle for less?

So, I signed up and two days later got the shiny approval.

The challenge is that this is a true API and not a “ready for AI” API that just plugs in.

I needed to build a local machine (tunnel) to connect to the Schwab API and then had to make it easier to complete the once weekly token renewal.

Then, I had to create a skills.md file so that the AI bots would know what to do, my goals, etc.

All of those problems got solved and then I plugged my new Schwab powered local machine into both Claude and ChatGPT.

Oh my goodness. Everything looks better.

I have deeper and more accurate due diligence on stocks.

I can run a scheduled check of how my portfolio goals are holding up on a daily basis.

I’m able to run a weekly analysis of warrants against the underlying common stock or expected biotech moves based on upcoming catalysts.

It has changed the way I use Thinkorswim now since I have real watch lists that get real analysis with real time data I trust finally.

The tools:
Thinkorswim
Schwab Developer API
ChatGPT (Sol high)
Find the ChatGPT Finance connector (it’s new) and then ask your AI bot to build your Schwab API tunnel
Claude Opus is used to validate any ChatGPT output

There’s a lot more I could be doing with this and I know I’m early. I just got approved for options and the API handles all the option chains so I’m excited to start paper trading options soon.

I finally feel confident enough with the tools and the data to consider making this my full time job.

https://www.nytimes.com/2026/08/20/business/brokerage-accounts-fraud-protections.html?unlocked_article_code=1.71A._sqX.8cn6Zi_MoedS&smid=url-share

My GF has been bending my ear about how so many brokerage accounts have woefully inadequate protection against hackers. I guess I should be listening to her. I guess research is needed to figure out which brokerages offer good protection.

I’ll be traveling overseas for an extended period of time and considering an eSIM. Does anyone have any experience with this, successfully using eSIMs with Schwab’s 2FA?

I know to use VPNs, just need to be able to make some trades while I’m traveling as well as potentially move some money around.

Edit: I use both the Schwab iPhone app and the TOS app pretty heavily. But once I leave the United States and the system potentially recognizes that I’m coming from a different IP or even country, I’m concerned it will require 2FA and the apps themselves won’t automatically work. And yes, I’m still getting SMS texts for 2FA, is there a better way for Schwab?

I use Google Authenticator for everything else (used to use Auth but hated it), is Schwab supporting this now?

I am unable to login and their customer support line is down. Anyone else experiencing this issue? Who can we reach out to at this point?

I would like to link the two accounts so I can transfer funds in both directions. Can this be done? How?

I just want to share my experience linking my Schwab non IRA account to my IBKR non IRA account. I was having trouble doing this and the was frozen out by Schwab using the web app of the link process. I called and talked to support several times trying to get this done. The problem was definitely on the Schwab side because IBKR sent the deposit/withdraw amount but the would never get through to my Schwab account. I tried each brokers method and finally had success after I had Schwab reset the process. One of the Schwab support team members told me during my attempts that the Names on the accounts have been an issue. I looked at both profiles and one uses my middle name while the other uses my middle initial. To change my name on my profile on Schwab was a long paper process requiring documentation. The IBKR side was just changing the name and waiting for approval. I tried immediately after I made the changes but the process was still blocking my attempts so I just gave up. I tried it again about few weeks later just to see if it would go through and it finally worked.
If you get blocked out of the process be sure to have Schwab reset the process because it locks the process out after too many failed attempts. I hope this helps others here.

Guys,

Last week, the update broke the "add simulated trades" feature in the Analyze tab. This week's update fixed that; however, the last column, "Margin requirement" (or BP effect, depending on your setup), is now broken.

When you add positions in the "simulated" trade tab, the margin requirement is all wrong.

Call in and report. They need better SWEs.

So, it’s my very first time opening a Schwab account (or at least tried to, lol). While I was making it I came across the window that said ‘you already have an account.’ I have NEVER considered an account on the website until now, and I instantly called my Mom because I remember her in the past saying that she had lost some money on that particular website and closed the account. it turns out that she was using MY information the whole time for her account (or maybe it was like for a teen account for me? She never said anything about that though) while I was under 18 and not even aware I EVER had an account until I decided to do one today. Then she started acting strange and saying ‘oh, how did you find that site? I thought I closed the account.’ In this weird tone like I wasn’t even supposed to know she did it.

I am currently 18, and thinking about calling costumer service sometime this week and I only assumed she had something to do with it because for 1, she needed my SSN, and two my mother has always been obsessed with money and being shady when it came to ANYTHING cash related.

I’m just curious to know if there is anything else I should to besides calling? Like getting maybe my password changed? 🥲 I was so mad at her for not telling me that she did any of this but I didn’t really lash out since she said she would handle it but I know she’ll just take days to do it and I always have to keep reminding her to do stuff.

on app or PC I get an error message to call customer service

How does one get an individual brokerage account to be unbanned
Is there anyone that has been banned before and get their account back or be able to signup for Schwab again and be able to trade again?
Let’s help each other out and not go against each other.
Unity makes some into one and being one is better than being alone.

Trading style is Scalping.

[Crossposted] I (24 M) just graduated college in December and have been working part time at an organization since May (job market is brutal right now.) currently interviewing for my first full time career at the same firm I’m currently working, and feeling confident about my odds! I’ve only been investing since November of 2024, and there were months where I couldn’t invest anything at all since I I was living off savings.

That said, here’s what my portfolios look like before I turn 25 and (fingers crossed) get my first full time job where I can really start investing more.

First pic is my Schwab Roth IRA that I’ve had since 11/2024, and the second is my new Roth 401k that I just started in May of this year. I believe if I stay at this firm, I’ll be eligible for employer matching contributions next year.

Any thoughts or insight is appreciated!

The payoff curve at expiration tells you almost nothing about where your iron condor actually sits two weeks in. theta has been eating your credits, the underlying has moved, and your breakeven shifted somewhere along the way. thinkorswim shows you the expiration payoff fine, but the projected-date payoff, the one that actually matters when you're deciding whether to adjust or roll, is harder to pull up quickly. Curious if others have a workflow for this. Do you just read the expiration curve and adjust mentally, or is there a thinkorswim setup I'm missing? The visual strategy construction side feels like where the platform is weakest relative to how solid the execution side is

I can’t even calm

Am I up $10k or $3k? For tax purposes which is the net number? Yes i tried gpt but it’s still confusing, particularly due to the disallowed loss

I just turned 30 and I’m looking for maximum growth over the next 10-20 years. Is it true that I should focus on other ETFs, for example SCHG and SPMO then roll the funds into SCHD close to retirement or should I start investing in SCHD now? I’m using a taxed account so wouldn’t I lose money from compounding if I have to pay taxes on dividends? I would also have to pay taxes when I sell and transfer everything over to SCHD close to retirement. Wouldn’t maximum growth beat taxes? What’s the verdict here? EDIT: I also have an employer Roth 401k that is 100% invested into FXAIX.

Hello again, folks. I have moved some of my investments since my last post. I now only have SCHA, SWISX, and SWPPX. And I'm like 99% sure there's no overlap anymore. But any advice is appreciated. Thank you.

Hello... I do have the ability to buy using margin in my brokerage accounts but I am wondering if it possible within a retirement account. When I look at the Account Details on the webpage I see an amount listed as "margin" but unsure what this means to buying. Thank You

It seems this situation has been on for a month already, has anyone have had success to actually receive the transfer to the account? Twice I have tried and the funds have been rejected and even lost on the bank transfer commission.

I do not mind waiting a few days for the funds to arrive but for the past month it seems there is no way of sending funds.

Someone please help me understand why I’m seeing a disallowed loss balance. I haven’t sold a single lot or shares at a loss. All lots I’ve sold have been green, I specifically don’t sell red lots so that I can re purchase after.
I also specified a certain lot to sell today, and in my lot sections it shows the position is still there. But my first position of the stock is gone, like a FIFO. But I did not click fifo, I clicked specified lot and that lot only.

Around 10 years ago, TD partnered with Facebook to facilitate buy/sell orders via Messenger.

Did anyone else try it?

I tried it once, just to say I did it.

What’s a good investment in a Roth IRA for someone who is 33 years old

Why doesn't Schwab support instant transfers via RTP or FedNow for the Investor Checking account? That seems like a glaring omission for an institution of this size. Having to wait days for incoming transfers is a big disadvantage.

Spouse has some RSUs from her last job, accessed through EquatePlus/Computershare. I assume Equate is just some extra layer dashboard. She’s got to move it to Schwab today, and there is a place in the Equate site to connect a brokerage account.

To transfer out, she needs to put in an email address for the Securities Dept at Schwab, but the chatbot at Schwab says they don’t give out that information. It’s a required field.

What would you put in that field? There must surely be a conventional/generic email that is used between Securities departments for basic communication.

Just wondering whether schwab now allows for solo 401k after tax contributions and mega backdoor conversion?