As chief strategist/consumer education for Charles Schwab & Co. Inc., Schwab Pomerantz is a leading advocate for individual investors. She speaks and writes extensively about personal finance issues and is a driving force in the movement to improve financial literacy in America. As president of the Charles Schwab Foundation, she also oversees the company's philanthropic strategy and resources. With her father, company founder, chairman and CEO Charles R. Schwab, Schwab Pomerantz co-authored "It Pays to Talk: How to Have the Essential Conversations With Your Family About Money and Investing," which Publishers Weekly called "a well-rounded primer that provides one-stop shopping for the many phases of financial understanding and planning." Schwab Pomerantz is a sought-after speaker whose public appearances have included appearances on "The Today Show," CNBC and NPR. In 2001, Working Woman magazine recognized her as one of four "Market Movers" in America who are "rewriting the rules of finance," and she was also recognized as one of the "25 power Elite" in the financial services industry by Investment News. For four consecutive years, The San Francisco Business Times has named her one of the San Francisco Bay Area's 100 Most Influential Women in Business. A graduate of the University of California, Berkeley, with a bachelor's degree in Political Science, Schwab Pomerantz later earned a master's degree in business administration from George Washington University. She holds NASD Series 7, 63 and 8 registrations. http://www.townhall.com/columnists/CarrieSchwabPomerantz http://media.townhall.com/TownHall/icons/TH-feed-icon-128x128.gif http://www.townhall.com/columnists/CarrieSchwabPomerantz TownHall.com, Where your opinion counts. 128 Copyright (c) 2012 Townhall.com, A Salem Communications Web. ALL RIGHTS RESERVED jim.dearras@townhall.com (Jim De Arras) Thu, 10 May 2012 04:01:00 GMT Thu, 10 May 2012 04:01:00 GMT http://blogs.law.harvard.edu/tech/rss RSS.NET: http://www.rssdotnet.com/ Dear Carrie: I'm about to graduate from college and have landed my first job. It doesn't pay a lot, but it's in my field. From a financial perspective, what are my first moves? --A ReaderDear Reader: Congratulations on... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2012/05/10/first_job_first_financial_responsibility_now_what d8e04ffc-a2bf-4574-8b28-2d917a526be2 Thu, 10 May 2012 04:01:00 GMT Dear Carrie: My 75-year-old mother is pretty independent. She uses email and is comfortable online getting news and even making some purchases. Lately, she's been telling me about offers for things such as insurance and... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2012/05/02/can_you_protect_a_senior_from_internet_scams f887e833-d49f-418b-8866-6085a8cadc98 Wed, 02 May 2012 04:01:00 GMT Dear Carrie: At age 80, I've never put any money into my IRA since retirement. Can I roll my traditional IRA into a Roth IRA without penalty? --A ReaderDear Reader: The simple answer to your question is yes; you can... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2012/04/25/does_a_roth_ira_conversion_make_sense_at_age_80 f8b814fb-d941-428f-872d-0b3738b82984 Wed, 25 Apr 2012 04:01:00 GMT Dear Carrie: I'm trying to be smart about investing for retirement, but all the different accounts out there confuse me. Help! --A ReaderDear Reader: I believe saving for retirement is one of the smartest things you can... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2012/04/11/which_retirement_account_is_best_for_you a11c743e-0d43-44cd-b367-a486adbd2283 Wed, 11 Apr 2012 04:01:00 GMT Dear Carrie: When I turn 59 and a half, I think it would be a good idea to withdraw $40,000 from my 401(k) to pay off high-interest rate credit cards (24 percent APR). I plan to continue working until I'm 65, and my... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2012/04/04/should_you_ever_use_retirement_savings_to_pay_off_debt 76469284-d0b7-489a-b1f0-d58e537e59ad Wed, 04 Apr 2012 04:01:00 GMT Dear Carrie: I opened a 529 account for my daughter two years ago. She's now 14, so we have four years before she starts college. The returns have been dismal, and I'm considering stopping my contributions. What do you... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2012/03/28/does_a_529_account_still_make_sense 6f95d9a4-9a69-4484-bf4a-99a43de3ad69 Wed, 28 Mar 2012 04:01:00 GMT Dear Carrie: I'm not an active trader. So a few years back (I'm 53 now), I built a retirement portfolio using ETFs and index funds. I haven't changed anything since, and in the meantime, I've gotten divorced and my son... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2012/03/21/a_look_at_your_financial_life_an_annual_at_least_ritual 040cb4b7-196a-4168-932a-11a76c2f496b Wed, 21 Mar 2012 04:01:00 GMT Dear Carrie: What's the difference between an IRA and a non-IRA account? Can I put money into either account now that I'm not working and retired? -- A ReaderDear Reader: Transitioning from working to retirement... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2012/03/14/can_you_make_ira_contributions_after_you_retire 0f1bfbaf-8def-4cad-92e8-4f963acf453a Wed, 14 Mar 2012 04:01:00 GMT Dear Carrie: I get a big tax refund every year. Is it better to invest it, pay off debt or save it for a rainy day? --A ReaderDear Reader: Your question certainly hits three of the top ways to make the best use of any... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2012/03/07/are_you_managing_your_withholding_wisely e083eb4e-ef52-4743-b011-2b8b18128af8 Wed, 07 Mar 2012 05:01:00 GMT Dear Carrie: I'm turning 65 next year and plan to work for a couple more years. Should I apply for Medicare even though I have coverage through my employer? --A ReaderDear Reader: This is an important question that... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2012/02/29/should_you_apply_for_medicare_even_though_youre_still_working 0da7f2db-858e-42f3-9a33-f804bc8b570f Wed, 29 Feb 2012 05:01:00 GMT Dear Carrie: In the last year, my husband and I bought a new house, had our first child and he switched jobs. All this change has me in panic mode, and I don't know how to get a handle on our finances. Where should I... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2012/02/23/new_baby_new_house_new_job__is_there_a_way_to_stay_in_financial_control 26c208dc-640a-4a7f-b704-732e73402715 Thu, 23 Feb 2012 05:01:00 GMT Dear Carrie: I'm 69, worked 23-plus years in the private sector and I am still working in the public sector and receiving monthly Social Security payments. When I retire and start receiving public employee's retirement... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2012/02/16/can_you_collect_both_a_public_pension_and_social_security 9d5da893-4354-45fb-ac21-4e3d74131434 Thu, 16 Feb 2012 05:01:00 GMT Dear Carrie: My husband and I have been married for less than a year. He comes from a moderately wealthy family and my family was always scrimping for every penny. Ironically, I'm now earning more than he is, but he's... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2012/02/08/love_and_money_can_you_overcome_your_financial_differences 70a9f9a6-d090-468a-8b81-1744969cb507 Wed, 08 Feb 2012 05:01:00 GMT Dear Carrie: I only have about $21,000 saved and I am headed into a way-too-early retirement. Should I be investing aggressively to make up for lost time? --A ReaderDear Reader: In the financial world, we often talk... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2012/02/02/retiring_early_whats_the_best_plan_for_a_toosmall_nest_egg c2eb33c9-9130-43f0-bfc7-1c8238d1b743 Thu, 02 Feb 2012 05:01:00 GMT