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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StandardPoors500IndexMember" xml:lang="en-US">StandardPoors500IndexMember</link:label>
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_FlexiblePayoutCompositeIndexMember" xml:lang="en-US">Flexible Payout Composite Index [Member]</link:label>
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InvestmentTypeAxis" xml:lang="en-US">Investment Type [Axis]</link:label>
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_FixedIncomeFloatingRateLoansMember" xml:lang="en-US">Fixed Income - Floating Rate Loans [Member]</link:label>
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_FixedIncomeIntermediateTermBondMember" xml:lang="en-US">Fixed Income - Intermediate-Term Bond [Member]</link:label>
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_FixedIncomeLongTermGovernmentBondMember" xml:lang="en-US">Fixed Income - Long-Term Government Bond [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000904333_FixedIncomeLongTermGovernmentBondMember" xlink:to="lab_cik0000904333_FixedIncomeLongTermGovernmentBondMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_FixedIncomePreferredMember" xml:lang="en-US">Fixed Income - Preferred [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000904333_FixedIncomePreferredMember" xlink:to="lab_cik0000904333_FixedIncomePreferredMember" />
          <link:loc xlink:type="locator" xlink:href="cik0000904333-20260630.xsd#cik0000904333_FixedIncomeShortTermBondMember" xlink:label="loc_cik0000904333_FixedIncomeShortTermBondMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_FixedIncomeShortTermBondMember" xml:lang="en-US">Fixed Income - Short-Term Bond [Member]</link:label>
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_InternationalStocksDevelopedMarketsMember" xml:lang="en-US">International Stocks - Developed Markets [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000904333_InternationalStocksDevelopedMarketsMember" xlink:to="lab_cik0000904333_InternationalStocksDevelopedMarketsMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_MoneyMarketFundMember" xml:lang="en-US">Money Market Funds [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000904333_MoneyMarketFundMember" xlink:to="lab_cik0000904333_MoneyMarketFundMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_RealEstateGlobalRealEstateMember" xml:lang="en-US">Real Estate - Global Real Estate [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000904333_RealEstateGlobalRealEstateMember" xlink:to="lab_cik0000904333_RealEstateGlobalRealEstateMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_TRowePriceInstitutionalFloatingRateFundInstutionalClassMember" xml:lang="en-US">T. Rowe Price Institutional Floating Rate Fund, Instutional Class [Member] [Member]</link:label>
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_SchwabGlobalRealEstateFundMember" xml:lang="en-US">Schwab Global Real Estate Fund [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000904333_SchwabGlobalRealEstateFundMember" xlink:to="lab_cik0000904333_SchwabGlobalRealEstateFundMember" />
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_SchwabHighYieldBondETFMember" xml:lang="en-US">Schwab High Yield Bond ETF [Member]</link:label>
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_SchwabLongTermUSTreasuryETFMember" xml:lang="en-US">Schwab Long-Term U.S. Treasury ETF [Member]</link:label>
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_SchwabOnetoFiveYearCorporateBondETFMember" xml:lang="en-US">Schwab 1-5 Year Corporate Bond ETF [Member]</link:label>
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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_SchwabUSAggregateBondIndexFundMember" xml:lang="en-US">Schwab U.S. Aggregate Bond Index Fund [Member]</link:label>
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          <link:loc xlink:type="locator" xlink:href="cik0000904333-20260630.xsd#cik0000904333_SchwabUSDividendEquityETFMember" xlink:label="loc_cik0000904333_SchwabUSDividendEquityETFMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_SchwabUSDividendEquityETFMember" xml:lang="en-US">Schwab U.S. Dividend Equity ETF [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000904333_SchwabUSDividendEquityETFMember" xlink:to="lab_cik0000904333_SchwabUSDividendEquityETFMember" />
          <link:loc xlink:type="locator" xlink:href="cik0000904333-20260630.xsd#cik0000904333_CohenSteersPreferredSecuritiesAndIncomeFundClassIMember" xlink:label="loc_cik0000904333_CohenSteersPreferredSecuritiesAndIncomeFundClassIMember" />
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          <link:loc xlink:type="locator" xlink:href="cik0000904333-20260630.xsd#cik0000904333_SchwabFiveToTenYearCorporateBondETFMember" xlink:label="loc_cik0000904333_SchwabFiveToTenYearCorporateBondETFMember" />
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          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000904333_SchwabFiveToTenYearCorporateBondETFMember" xlink:to="lab_cik0000904333_SchwabFiveToTenYearCorporateBondETFMember" />
          <link:loc xlink:type="locator" xlink:href="cik0000904333-20260630.xsd#cik0000904333_SchwabGovernmentMoneyFundUltraSharesMember" xlink:label="loc_cik0000904333_SchwabGovernmentMoneyFundUltraSharesMember" />
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  <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <import namespace="http://fasb.org/us-gaap/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd" />
  <import namespace="http://xbrl.sec.gov/country/2026" schemaLocation="https://xbrl.sec.gov/country/2026/country-2026.xsd" />
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  <import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <import namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd" />
  <import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd" />
  <import namespace="http://fasb.org/us-types/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-types-2026.xsd" />
  <import namespace="http://fasb.org/srt-types/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-types-2026.xsd" />
  <import namespace="http://fasb.org/srt/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd" />
  <import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
  <import namespace="http://xbrl.sec.gov/stpr/2026" schemaLocation="https://xbrl.sec.gov/stpr/2026/stpr-2026.xsd" />
  <import namespace="http://xbrl.sec.gov/oef-sr/2026" schemaLocation="https://xbrl.sec.gov/oef/2026/oef-sr-2026.xsd" />
  <import namespace="http://xbrl.sec.gov/oef-lab/2026" schemaLocation="https://xbrl.sec.gov/oef/2026/oef-2026_lab.xsd" />
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  <element name="FixedIncomeHighYieldBondMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_FixedIncomeHighYieldBondMember" substitutionGroup="xbrli:item" />
  <element name="FixedIncomeIntermediateTermBondMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_FixedIncomeIntermediateTermBondMember" substitutionGroup="xbrli:item" />
  <element name="FixedIncomeLongTermGovernmentBondMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_FixedIncomeLongTermGovernmentBondMember" substitutionGroup="xbrli:item" />
  <element name="FixedIncomePreferredMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_FixedIncomePreferredMember" substitutionGroup="xbrli:item" />
  <element name="FixedIncomeShortTermBondMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_FixedIncomeShortTermBondMember" substitutionGroup="xbrli:item" />
  <element name="InternationalStocksDevelopedMarketsMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_InternationalStocksDevelopedMarketsMember" substitutionGroup="xbrli:item" />
  <element name="MoneyMarketFundMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_MoneyMarketFundMember" substitutionGroup="xbrli:item" />
  <element name="RealEstateGlobalRealEstateMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_RealEstateGlobalRealEstateMember" substitutionGroup="xbrli:item" />
  <element name="USStocksLargeCapMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_USStocksLargeCapMember" substitutionGroup="xbrli:item" />
  <element name="TRowePriceInstitutionalFloatingRateFundInstutionalClassMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_TRowePriceInstitutionalFloatingRateFundInstutionalClassMember" substitutionGroup="xbrli:item" />
  <element name="SchwabGlobalRealEstateFundMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_SchwabGlobalRealEstateFundMember" substitutionGroup="xbrli:item" />
  <element name="SchwabHighYieldBondETFMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_SchwabHighYieldBondETFMember" substitutionGroup="xbrli:item" />
  <element name="SchwabInternationalDividendEquityETFMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_SchwabInternationalDividendEquityETFMember" substitutionGroup="xbrli:item" />
  <element name="SchwabLongTermUSTreasuryETFMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_SchwabLongTermUSTreasuryETFMember" substitutionGroup="xbrli:item" />
  <element name="SchwabOnetoFiveYearCorporateBondETFMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_SchwabOnetoFiveYearCorporateBondETFMember" substitutionGroup="xbrli:item" />
  <element name="SchwabUSAggregateBondIndexFundMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_SchwabUSAggregateBondIndexFundMember" substitutionGroup="xbrli:item" />
  <element name="SchwabUSDividendEquityETFMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_SchwabUSDividendEquityETFMember" substitutionGroup="xbrli:item" />
  <element name="CohenSteersPreferredSecuritiesAndIncomeFundClassIMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_CohenSteersPreferredSecuritiesAndIncomeFundClassIMember" substitutionGroup="xbrli:item" />
  <element name="SchwabFiveToTenYearCorporateBondETFMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_SchwabFiveToTenYearCorporateBondETFMember" substitutionGroup="xbrli:item" />
  <element name="SchwabGovernmentMoneyFundUltraSharesMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_SchwabGovernmentMoneyFundUltraSharesMember" substitutionGroup="xbrli:item" />
</schema>
