This is a special bonus episode of Ask Farnoosh with co-host Joe Benvenuto, a Chartered Financial Analyst (CFA) who manages two of Charles Schwab’s branches in the Bay Area–Menlo Park and Sunnyvale, California. Joe has been in the financial services industry for more than 10 years. Prior to that, he served as an Infantry Officer in the United States Army.

Topics covered on the show: retirement savings, preparing for grad school, auto-rebalancing your portfolio and managing a windfall.

To learn more about Schwab and how to work with them, visit Schwab.com/SoMoney.

(Farnoosh has been compensated by Charles Schwab. Farnoosh is not affiliated with Schwab and the views she expresses may not necessarily reflect those of The Charles Schwab Corporation or its affiliates. Farnoosh is a client of Schwab.)