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My aunt helped me set up my new IRA at Schwab several years ago. Being a new college student and part time employee I was unsure of everything and anything to do with retirement savings. I have never actually gone in to see anyone at Schwab, but every email I have written has come back within two or three days, usually within 24 hours. The responses I get are accurate and friendly and give me the information I was looking for. The phone operators are also as polite and friendly as the email people. I would definitely reccommend Schwab to people starting out, or having years of investing experience.
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