National Investing Day highlights the push to broaden access to the markets as Charles Schwab builds on the legacy of brokerage deregulation. James Kostulias, Head of Trading Services at Charles Schwab, explains how Schwab is attracting younger investors, with a surge in under‑30 accounts driven by teen programs, fractional shares, and education initiatives. He also emphasizes the importance of financial literacy, long‑term discipline, and staying invested through volatility rather than trying to time the market.