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A middle of the road developer can make all of those things. You don’t need a 10x ninja in SF who demands 500k/year to do that. Highly doubt Schwab has really been competing on salary in SF for tech roles as is.

Does anyone?

They don't pay very well. They can't compete for top talent like other companies can.

What beta products are you referring to?

They're working on a new research UI. So you plugin a symbol like SPY and you get a bunch of information on the stock. There is a banner for a beta redesign

Oh, that. I've used it, and didn't find it very impressive, certainly not what I'd expect from top UI/UX talent. Schwab's site isn't terrible, just very old-fashioned (and a little buggy).