Charles Schwab¶

cgt-calc reads the CSV export of a Charles Schwab brokerage account. It treats every value in the export as US dollars and converts it to pounds using HMRC's exchange rate for the date of each transaction.

If you receive shares from an employer, you may also need an Equity Awards export to supply the market price used for each employer-share acquisition. It can be a CSV or a JSON file. Read Equity awards before exporting it: Schwab currently produces more than one award layout, and cgt-calc does not support all of them.

Export the complete transaction history¶

Use the Schwab website rather than a positions export, statement, realised gain/loss report or PDF:

1. Open the transaction history for the taxable brokerage account.
2. Select the longest date range available. Start with the account's first transaction if possible, as explained in Before you start. End today or at least 30 days after the end of the tax year you are calculating, because a purchase in the 30 days after a disposal can affect how that disposal is matched.
3. Include all transaction types. A trade-only export can omit deposits, dividends, tax, fees and corporate actions needed by the calculation.
4. Export the results as CSV.

The exact controls are behind the Schwab login and may change. Use the account's transaction-history CSV whose columns include Date, Action, Symbol, Description, Price, Quantity, Fees & Comm and Amount. You can compare it with the sanitised example.

Schwab may limit how much history can be exported at once. If your history needs several exports, repeat the process with consecutive date ranges, making sure there are no gaps.

Prepare the directory¶

One export goes to --schwab-file. Several go in a directory passed to --schwab-dir, so you do not have to combine them yourself:

schwab/
├── 2022-04-06_to_2023-04-05.csv
├── 2023-04-06_to_2024-04-05.csv
└── 2024-04-06_to_2025-04-05.csv

The base filenames do not matter. cgt-calc reads every CSV file directly inside the directory, but it does not search subdirectories.

Two rules to get right:

• Do not put an Equity Awards CSV in this directory. It is also a .csv, so cgt-calc would read it as transaction history and stop with Missing columns in Schwab transaction file. Keep it elsewhere and pass it with --schwab-award-file. For a complete transaction export, read Combining a main history with a complete export first.
• Do not put exports from two different Schwab accounts in one directory. The CSV does not say which account a row belongs to, so cgt-calc cannot separate them. Combining several accounts is not supported.

Overlaps are not safe here, unlike some other brokers. A Schwab CSV carries no transaction ID, so cgt-calc cannot tell a row repeated by an overlap from a genuine repeat of the same trade: two identical buys of the same size and price on one day are a real thing. If two exports have overlapping transaction-date spans, cgt-calc refuses them rather than count both.

Generate the report¶

For the 2025/26 tax year, run:

cgt-calc --year 2025 --schwab-file schwab_transactions.csv

--year 2025 means 6 April 2025 to 5 April 2026. Follow Generate and Review a Report to find and check the output.

If your history needed several exports, point --schwab-dir at the directory holding them instead:

cgt-calc --year 2025 --schwab-dir schwab/

--schwab-file and --schwab-dir cannot be used together.

If a Stock Plan Activity row has no price, also pass the supported Equity Awards export described below. Either layout goes to the same option:

cgt-calc --year 2025 \
  --schwab-file schwab_transactions.csv \
  --schwab-award-file schwab_awards.csv

cgt-calc --year 2025 \
  --schwab-file schwab_transactions.csv \
  --schwab-award-file schwab_awards.json

Recognised activity¶

The importer recognises these exact values from the main CSV's Action column:

An NRA Tax Adj, NRA Withholding, NRA Withhold or Foreign Tax Paid row is treated as tax on account interest only when its Symbol is blank and its Description contains SCHWAB1 INT. Otherwise, it is treated as dividend tax.

ADR Mgmt Fee only changes the tracked cash balance; cgt-calc does not add it to the allowable cost of the holding. It is a charge for holding the shares rather than a cost of buying or selling them, and HMRC treats a fee as an incidental cost you can deduct only where it was paid for the purchase or the sale.

For Reinvest Dividend, check the Schwab statement and the finished report. Confirm that the dividend income and reinvested purchase were recorded by other rows; do not assume the ignored row duplicates them.

cgt-calc reads a known old ticker, such as Meta's FB, as the company's current ticker, so transactions under both names share one holding in the report. Schwab rows carry no ISIN, so some renames go by date: a row under FB dated from 26 June 2025 is left as FB, because another security has traded under that ticker since then. See Ticker renames.

An unknown action stops the import. Do not delete a financial transaction simply to make the run finish; identify what happened and check Known limitations first.

Cancelled purchases¶

Schwab keeps both a cancelled purchase and its Cancel Buy row in the export. cgt-calc removes both when their symbol, quantity and price match and the purchase is no more than five days before the cancellation. An unmatched cancellation stops the import because leaving either row in the calculation could create a purchase that never happened.

Dates containing as of¶

Schwab can show a date such as 08/18/2023 as of 08/15/2023. cgt-calc uses the first date, 08/18/2023, for the transaction.

A vest is the exception. Schwab posts the shares a few days after they vest, and the main CSV may show only that posting date. You acquire the shares when you become entitled to them, at the vest, not when they are transferred to your brokerage account (ERSM20420), and their capital gains cost is their market value on that date (HS287). So when cgt-calc prices a Stock Plan Activity row from your award file, it also takes the vest date from that award, whichever date the main CSV shows. A vest posted on 18 August from shares that vested on 15 August is dated 15 August, so a sale on 18 August is no longer matched to that vest under the same-day rule. It is matched in the usual order: other acquisitions on 18 August first, then those in the following 30 days, then your pool (CG51560).

For other rows, the date affects the tax year, the exchange rate and the same-day and 30-day matching rules. Check any such row carefully when the two dates cross 5 April or another purchase or disposal falls between them.

Bonds and Treasury securities¶

When Schwab identifies a bond with a valid nine-character CUSIP, it may quote the price per $100 of face value. cgt-calc converts that to a price per $1 and checks it against the quantity and total amount. Accrued interest found through that check is included with the transaction costs.

If the total does not support the conversion, cgt-calc prints a warning and leaves the exported price unchanged. Do not ignore that warning: compare the price, face value, cash amount and accrued interest with the trade confirmation before relying on the result.

Corporate actions¶

A Stock Split row states the change the event made to this account's holding: positive for the new shares a split added, negative for the shares a consolidation removed. cgt-calc applies it as a share reorganisation: nothing is bought or sold, and the pooled cost is unchanged and spread over the new count (TCGA 1992 s127).

Two situations are refused rather than guessed:

• If the same security also has units from another input, one account's change does not state the whole pooled holding's. Replace the Schwab row's effect with a RAW STOCK_SPLIT row stating the change to all of them together; where a date has both, the RAW row is used and the Schwab row is ignored. See also has units from.
• Because Schwab rows carry dates without times, a purchase, sale, gift or transfer of the same security on the day of the split cannot be placed before or after it, and the day is refused. See cannot be placed either side of it.

For a Spin-off, cgt-calc needs to know the old holding from which the new shares came. It asks for the old ticker during an interactive run and saves the answer in out/spin_offs.csv. For a non-interactive run, add the mapping to that file first or choose another cache with --spin-offs-file. Spin-off source mappings shows the file's format. cgt-calc then uses the two holdings' market values to divide the existing pooled cost. Check this result against the company's reorganisation documents.

Cash mergers are supported only when the exported pair represents shares leaving in return for cash. cgt-calc warns because a merger that also gives you replacement shares needs different treatment and is not covered.

Written equity options¶

The importer supports standard US equity options written with Sell to Open, including covered calls. It reconciles these outcomes:

• Buy to Close: the closing debit is an allowable cost of the original option grant. The gain remains dated when the option was written.
• Expired: the premium, less the opening transaction costs, remains the gain on the grant.
• Assigned: a call premium is added to the proceeds from selling the underlying shares; a put premium reduces the acquisition cost of the shares bought on assignment. The usual share identification rules then apply.

This follows HMRC's guidance for investors in traded options (CG55536), closing out a written option (CG55545), and exercise by the grantor (CG12313). It assumes the activity is investment activity taxed under the capital gains rules rather than a trade.

Both Schwab option-symbol formats are accepted, for example META 09/20/2024 500.00 C and META 240920C00500000. Support assumes a standard contract delivering 100 shares.

Include the complete history from each Sell to Open through its close, expiry or assignment, even where that crosses 5 April. A later close changes the gain on the original grant; a later assignment replaces that option gain with the combined share transaction. Re-run earlier tax years when a previously open option reaches either outcome, and amend a submitted return if necessary.

Schwab posts the underlying share transaction of an assignment on its own settlement date, which is a business day or two later and can fall in the next tax year. cgt-calc dates the share transaction on the assignment instead, and takes its amounts from the exported settlement row. That row has to be in the export: the shares are never invented from the assignment alone, because the settlement row turning up later would then dispose of the same shares twice. The import stops, naming the transaction it looked for, when it is missing, when more than one exported row could be it, when the only candidate does not reconcile with the strike, quantity and fees, or when one contract is assigned more than once on a day, which the export gives no way to pair up with its share rows.

The money keeps the settlement date. During import, cgt-calc represents the exported share row as a cash movement on the date Schwab paid or collected the money. This prevents the assignment from showing a shortfall before settlement.

If a balance-check error includes the generated cash movement, its description is Settlement of the META put option expiring 2024-05-17 at a strike of 50 assigned on 2024-05-17.

Purchased options (Buy to Open, Sell to Close, Exercised) are not supported. Neither are cash-settled index options, nor adjusted contracts, whose root carries a numeric suffix such as AAPL1 and which no longer deliver 100 shares. The parser stops with an explicit error for those rows instead of treating contracts as shares. Box spreads are not recognised as financing: their legs are read as ordinary written and purchased options, and the purchased legs stop the import.

Equity awards¶

Schwab exports your Equity Awards account in two different shapes, and cgt-calc uses them for different things:

• a price-only export, which prices the vests already listed in your main transaction CSV and imports no transactions of its own. It comes as the award-price CSV, and as a JSON export whose every row is a Lapse.
• a complete transaction export, which is the award account's own history. It comes as JSON or as CSV, and cgt-calc reads both.

You do not choose which one Schwab gives you, so open the file and look rather than predicting it from your share plan:

• CSV: check the heading. FairMarketValuePrice and no VestFairMarketValue means the award-price CSV. VestFairMarketValue and PurchaseFairMarketValue means the complete export.
• JSON: look at the "Action" of each transaction. Older exports spell the field "action". Nothing but "Lapse" means the price-only export. A file holding "Deposit", "Sale" or "Dividend" is the complete export.
• Neither: a JSON file holding "Lapse" together with cash rows such as "Journal" or "Wire Transfer" is rejected. cgt-calc reads vest prices only from an export whose every row is a Lapse, and those cash rows are discarded, so the file would import nothing and price nothing. Export the same history as the award-price CSV, which reads the vests and ignores the cash rows.

Both go to --schwab-award-file, which reads the contents and works out which one it has. What changes is what cgt-calc does with the file, described in the two sections below.

Price-only export¶

Use this method when the main transaction CSV contains Stock Plan Activity rows with a blank Price:

1. In Schwab, open the Equity Awards account. Schwab's grant guide shows how to reach the account from Accounts → Equity Awards.
2. Export its complete transaction history as CSV or as JSON.
3. Check the file as described above: the CSV heading contains Date, Symbol and FairMarketValuePrice, or every JSON transaction is a Lapse.
4. Pass it with --schwab-award-file alongside the main CSV.

The award-history export control is behind the Schwab login, so its wording may change. The file's contents, rather than the button name, determine whether cgt-calc supports it.

This extra file does not import a second set of transactions. It supplies a missing market price for a vest in the main CSV, and the vest date that goes with it. cgt-calc looks for the same symbol on the activity date or one of the previous six days, which covers awards dated around weekends and holidays.

Always pass it with --schwab-file or --schwab-dir. On its own it prices nothing: the JSON form is refused, and the award-price CSV is accepted but produces an empty calculation.

The supported award-price CSV layout stores one activity across two CSV rows. Keep the file unchanged. A sanitised example shows the expected structure.

The two layouts are not otherwise interchangeable. The JSON reader refuses three things the CSV reader does not check, and each of them stops the run with an error naming the file:

• a Lapse that states no market value, or one of zero or less;
• two grants vesting on the same day at different prices, because the pair does not say which figure is the acquisition cost;
• a symbol whose price could be stated in pre-split units, either because your main history holds a Stock Split for it or because cgt-calc's own split table records one on or after the earliest vest the file prices. The price comes from the award file and the number of shares from the main history, and neither says whether the split restated both.

If the JSON export holds anything besides lapses, such as a Journal row moving cash out, cgt-calc will not read prices from it. Export the same history as the award-price CSV, which reads the vests and ignores the cash rows.

What cgt-calc does not check¶

Nothing verifies that the two files come from linked accounts, that either is complete, or that the quantities agree. The lookup takes the nearest award date at or before the activity date, within six days, and uses that award's price and date for the vest. Finding an award that way is not evidence that the two rows describe the same vest.

A split cgt-calc has not been told about, and that your main history does not record, cannot be detected at all. A price and a quantity in different units produce a wrong acquisition cost rather than an error.

You can check the quantities yourself, but the two files do not identify each other, so start from your vest or settlement confirmations rather than from the dates:

1. From the confirmations, list the grants that vested and the shares each one delivered to the brokerage account.
2. Find the award rows for those grants and add up their NetSharesDeposited, not their gross Quantity, which includes the shares withheld for tax.
3. Find the Stock Plan Activity rows that delivered them and add up their quantities. The two totals should agree.
4. Check the FairMarketValuePrice on those award rows against the price on the confirmations.

Work per grant rather than per date. One award date can carry several grants, one delivery can be split over more than one posting date, and a posting date can carry shares from more than one award date, so a posting-date total need not equal an award-date total. Investigate anything that does not line up rather than assuming the nearest date is right: two awards a few days apart with the same net quantity but different prices both satisfy the lookup, and only one of them is your vest.

Complete transaction export¶

The complete export is the award account's own history rather than a price list, and it imports on its own:

cgt-calc --year 2025 --schwab-award-file schwab_awards.json
cgt-calc --year 2025 --schwab-award-file schwab_awards.csv

cgt-calc identifies the format from the file's contents, so both layouts produce the same result.

The complete CSV states one transaction per row, followed by a row for each lot or grant with the transaction columns left blank. Keep the file exactly as Schwab exported it: cgt-calc reads those blank columns as the marker that a row continues the transaction above it.

Use either layout only for a transaction history Schwab exported. Open the file first and confirm its rows are dated transactions with actions such as Deposit, Sale or Dividend, rather than a summary of your holdings or outstanding grants. Do not import the same vest, sale, dividend or cash movement again through --schwab-file: cgt-calc does not reconcile a main history against a complete award history, so anything present in both is counted twice. See Combining a main history with a complete export.

The complete importer supports restricted-stock vests, ESPP purchases, sales, forced quick sales, dividends, dividend tax and forced cash disbursements. It recognises gifts but stops so that you can classify the recipient, as explained below. It skips Lapse rows because they repeat the shares already recorded by the related vest. A price-only export has no such vest row, which is why its lapses are read for their prices instead. For an ESPP purchase it uses the market value on the purchase date as the acquisition cost, on the assumption that the discount was taxed as employment income. Check that assumption against your payroll and award records.

Combining a main history with a complete export¶

You can pass a main history and a complete award export in one run:

cgt-calc --year 2025 --schwab-file schwab_transactions.csv \
    --schwab-award-file schwab_awards.json

cgt-calc imports both, but does not check one file against the other, so a vest, sale, dividend or cash movement recorded in both is counted twice. The run warns that the award export was imported alongside the main Schwab history.

Before relying on the report, compare the two files for the same transaction. It will not look identical in both: a vest is Stock Plan Activity in the main history and Deposit in the award export, and a sale is Sell in one and Sale in the other. Look a few days either side of the date as well, because one file can date a vest by when it posted and the other by when it vested.

If a transaction appears in both, do not combine the files. Use one of these instead, whichever provides the complete history described in Before you start:

• The complete export on its own, if it holds everything the calculation needs. See Complete transaction export.
• The main history with the price-only export, if the main history holds everything. See Price-only export.

The complete export does not price a vest in the main history. A Stock Plan Activity with no price stops the run with Cannot price a vest, and the award-price CSV cannot be passed as well, because cgt-calc reads one award export per run.

Share splits in complete exports¶

Schwab has sometimes updated old award records inconsistently after a share split. The complete importer contains specific handling for Alphabet (GOOG and GOOGL) and NVIDIA (NVDA). For any other ticker it prints a warning because it does not know how Schwab changed the old quantities.

After a new split, download the complete history again and check every pre-split acquisition and disposal quantity against a statement. A stale export can mix old and new units without changing the cash totals, so the balance check cannot detect the error.

If cgt-calc warns that a disposal is cheaper by about the split multiplier, compare the named disposal's quantity and proceeds with a statement. The warning can mean that Schwab already adjusted the quantity for the split, but a real fall in the share price can look the same.

Gifts in a complete export¶

A Gift row says that shares left the account but not who received them. cgt-calc therefore stops and asks you to classify it:

• For a spouse or civil partner, follow Transfers to a spouse or civil partner and add the suggested TRANSFER_TO_SPOUSE row through a small RAW file.
• For anyone else, follow Gifts to anyone else and add the suggested GIFT or GIFT_UNCONNECTED row using a verified market value.

The error prints the complete RAW line to copy into a small CSV. The complete importer can restate an old gift for a later split, so the quantity may not match the number of shares shown on the gift date. Where both readings are possible, the error prints two candidate lines: check a statement and use the one with the correct quantity.

Known limitations¶

• Transfers of shares are not reconstructed from the main CSV. In particular, Journaled Shares is unsupported. Despite its name, Security Transfer is supported only as an ACH-related cash movement: it requires an Amount and does not move shares. Follow the RAW transfer or gift instructions only after establishing what the transfer was and what cost should move with it.
• A main history and a complete Equity Awards export are not reconciled against each other. cgt-calc warns when you combine them, but cannot tell that a transaction appears in both. Import one or the other, or make sure no vest, sale, dividend or cash movement appears in both; see Combining a main history with a complete export.
• cgt-calc reads one Equity Awards export per run, and a complete export does not price the vests in a main history. If your main history needs vest prices and your only award export is the complete one, see Cannot price a vest.
• A cash merger that gives replacement shares as well as cash is not supported. The cash-only importer prints a warning for every merger so you remember to check this.
• All values in Schwab CSV and JSON files are treated as USD. Changing a currency symbol in the CSV does not convert the data.
• cgt-calc does not remove duplicates from Schwab exports, because the CSV has no transaction ID to tell a duplicate from a genuine repeat of the same trade. Every transaction must appear exactly once. --schwab-dir refuses exports whose transaction-date spans overlap rather than count both.
• Exports from more than one Schwab account cannot be combined. Nothing in the CSV identifies the account.

Troubleshooting¶

Cannot price a vest¶

The named Stock Plan Activity has no price in the main CSV. Export the Equity Awards history and pass it with --schwab-award-file. Either layout of the price-only export will do: the award-price CSV, or the JSON export whose every row is a Lapse. If you already did, check that it contains the same ticker and a FairMarketValuePrice dated no more than six days before the activity.

If its JSON holds Lapse rows together with cash rows such as Journal or Wire Transfer, cgt-calc will not read prices from it. Export the same history as the award-price CSV, which reads the vests and ignores the cash rows.

If the file instead uses the VestFairMarketValue layout, or its JSON holds Deposit, Sale or Dividend rows, it is the complete transaction export, and cgt-calc cannot use it to price a vest in your main history. Which way round to work depends on what each file holds:

• If the complete export holds everything you need, including any purchases, sales, dividends and cash movements, pass it with --schwab-award-file on its own and leave out --schwab-file or --schwab-dir. Check first: anything that happened only in the main account is not in that export and would be left out of the calculation.
• If the main history holds everything you need, ask Schwab for the award-price CSV as well and pass the two together: the main history with --schwab-file or --schwab-dir, the award-price CSV with --schwab-award-file.

If neither file holds everything, cgt-calc cannot calculate from these exports: the complete export does not price the vests in the main history, and cgt-calc reads one award export per run. Open a GitHub issue saying which kinds of row each file holds, without the figures, so the maintainers can decide whether to support that combination. Do not rename columns or invent a price merely to bypass the error.

Missing columns or a row/column-count error¶

Make sure --schwab-file points to the main transaction-history CSV. A positions export, realised gain/loss report, statement or spreadsheet converted from PDF has a different layout.

--schwab-award-file reports a file it does not recognise differently, saying what each supported export looks like: “This is not a Schwab Equity Awards export cgt-calc reads.” Check the file's heading against that message. The award-price CSV holds Date, Symbol and FairMarketValuePrice; the complete CSV holds VestFairMarketValue and PurchaseFairMarketValue; the JSON export starts with {. Whichever of the three it is, it goes to --schwab-award-file rather than --schwab-file.

With --schwab-dir, this error names the offending file: take it out of the directory and pass it with --schwab-award-file instead. If it is a complete transaction export, read Combining a main history with a complete export first.

If you combined several history ranges, confirm that there is one header, every data row has the same number of fields, and none of the source files used a different export format.

is not a regular file or could not be read¶

With --schwab-dir, every entry matching *.csv must be a plain, readable file. Remove or move out a subdirectory, broken symlink, or file the current user lacks permission to read.

Unknown action¶

Compare the action named in the error with Recognised activity. Common unsupported examples include Journaled Shares. Do not remove the row until you know whether it represents a trade, transfer or corporate action that must be recorded another way.

First upgrade cgt-calc using the same method you used to install it. If an unchanged export still contains an unsupported action, open a GitHub issue with the complete error and a sanitised copy of the row.

An unmatched Cancel Buy¶

Re-export without transaction filters and make sure the date range includes the original purchase. The matching Buy must have the same ticker, quantity and price and be no more than five days before the cancellation. Check the pair against Schwab before following the row-removal instruction in the error.

A cash merger or full redemption pair is rejected¶

Use the unchanged export. The two rows must be adjacent and have the same date, symbol and description. One supplies the proceeds and the other the negative quantity. A changed order, extra value or replacement shares means the event is not the supported cash-only shape.

The lapse on ... reports ... shares¶

This complete-export error means the share count on a Lapse row disagrees with the related deposited and withheld counts after applying the split history currently known to cgt-calc. Download a fresh complete export, then compare the named lapse, its vest and the split history with the original award statement. cgt-calc stops rather than applying a split factor that may be wrong. If a fresh export still fails, cgt-calc may not yet know about a recent split; open a GitHub issue with the error and a sanitised copy of the relevant records.

ESPP purchase on ... bought ... shares but accounts for ...¶

This complete-export error means the purchased share count does not equal the shares deposited, withheld and sold for tax after any known split. Compare those figures with the ESPP confirmation and split history. Do not change a quantity merely to make the import continue.

is not a date cgt-calc reads or states no ...Date¶

Equity Awards exports write every date as MM/DD/YYYY, and cgt-calc reads only that form. The error names the transaction and the field, spelled as your export spells it: Date for a transaction's own date, and VestDate or PurchaseDate for one inside a vest or an ESPP purchase. Where the export states a value, the error quotes it so that you can search the file for it.

Re-export from Schwab and use the file unchanged. If you need to look inside it, open it in a text editor rather than a spreadsheet: a spreadsheet can reinterpret a date column according to its own settings, so 06/12/2023 may be read as 6 December where Schwab means 12 June, and written back in a form cgt-calc does not read.

This check catches only a date it cannot read at all. A swapped day and month that is still a valid MM/DD/YYYY date passes it: 12/06/2023 is read as 6 December whatever it was meant to be. That is why working from an unedited export matters more than correcting dates by hand.

If an unchanged export still fails, open a GitHub issue with the complete error and a sanitised copy of the row.

An export overlaps another one¶

Two files in the --schwab-dir directory have earliest-to-latest transaction-date spans that overlap. They need not share any individual date: one file running from March to December and another holding a single June transaction is enough, because cgt-calc cannot then rule out that the two exports cover the same period. Because a Schwab CSV has no transaction ID, it cannot tell which rows are repeats, so it refuses rather than count them twice. Re-export the ranges so they do not overlap, or delete the redundant file.

If the two files are exports from different Schwab accounts, that is the cause: cgt-calc cannot combine accounts, because no column says which account a row came from.

Reached a negative balance or Tried to sell¶

Check that the export reaches the deposits and purchases that funded or created the later activity. Also check for a missing award vest, unsupported share transfer, gap between downloaded ranges, a transaction imported twice or a ticker change cgt-calc does not know.

Do not add made-up cash or use --no-balance-check simply to silence the error. Use that option only after you understand why the Schwab history cannot reconcile and have checked its completeness another way.

Check the finished report¶

Compare “Portfolio at the end of … tax year” with the Schwab account record for 5 April. Check each disposal quantity and proceeds, every employer-share vest and market value, dividends and tax, interest, bond face values, split-adjusted quantities and corporate-action warnings.

Do not upload an unredacted Schwab export to GitHub. It contains account activity, holdings, award identifiers and other sensitive financial information.