The Charles Schwab Corporation, through its subsidiaries, provides wealth management, securities brokerage, banking, money management, and financial advisory services. The company operates through two segments, Investor Services and Advisor Services. It offers brokerage products, such as brokerage accounts; individual retirement accounts; retirement plans for small to large businesses; 529 college savings accounts; designated brokerage accounts; equity incentive plan accounts; and margin loans, as well as access to fixed income securities, equity and debt offerings, options, and futures. The company also provides no-load, proprietary, and other third-party mutual funds, as well as mutual fund trading and clearing services to broker-dealers; and third-party and proprietary exchange-traded funds. In addition, it offers advice solutions, including separately managed accounts, customized personal advice for tailored portfolios, and specialized planning and full-time portfolio management; and trust custody services, personal trust reporting services, and administrative trustee services. Further, the company provides banking products, such as checking accounts linked to brokerage accounts, savings accounts, certificates of deposit, demand deposit accounts, first lien residential real estate mortgage loans, home equity loans and lines of credit, and personal loans and entity lending collateralized by securities. It serves individuals and institutional clients in the United States, the Commonwealth of Puerto Rico, London, and Hong Kong. The Charles Schwab Corporation was founded in 1971 and is headquartered in San Francisco, California.