Schulz Wealth Blog

Our client process is designed to guide you successfully thru your financial goals. It starts with the creation of your initial personal financial statement, cash flow, and financi...

Schulz Wealth uses Modern Portfolio Theory (MPT) as the basis for all of our portfolio decisions. We strive to identify dimensions of equity returns like momentum, value, and small...

Most people trust their financial advisor. Problem is, most advisors should not be trusted. I know that’s a strong statement, but after spending over twenty years in this industry,...

My sophomore year at The University of Texas, I had a marketing class in the UTC, an annex to the business school, tucked right next to the Perry Castaneda Library, known on campus...

I was reminded recently how different we are, as Americans, compared to the rest of the World as it relates to financial independence. First off, a wide majority of humans still li...

It’s 3 o’clock in the morning and I’m worried. Last week, the markets were down hard, with the S&P 500 going from positive double digit territory at the end of the quarter to d...

The TINSTAAFL theory is an informal favorite rule among many economists and financial planners like me. TINSTAAFL stands for “There is no such thing as a free lunch”, and means the...

From time to time, I find myself roaming the country, assisting a corporate client in their desire to assess and improve the retirement readiness of their workforce. Normally, pers...

Great post by Austin Smith! Disciplined strategy investing over the long term, rather than trying to time the market fluctuations is a proven strategy for long term portfolio succe...

Only a very small percentage of Americans will ever experience financial independence. Why? Because just being successful in our professional careers is not enough. We have to know...

“I think we’re going to be able to call it.”, Austin says as we review our client’s financial plan and assets on the big screen in my office. We’ve been running and re-running the ...

You have never heard of any of my heroes, so naming them by name is unimportant. Besides, my heroes are not interested in publicity. My heroes lead quiet lives, in attractive, invi...

Shelly and I went sailing for the first time in many years this weekend. I was a little rusty. As we dodged and weaved our way through the 200 or so moored boats out into Narragans...

During the Haiti crisis in the mid-90’s, I was a young sailor on watch. It was a calm, quiet, typical Caribbean sunny day and we were just off the coast of Hispaniola in the Windwa...

Today’s post was inspired by the excellent book: Team of Teams, by Gen. McChrystal Modern destroyers use gas turbine engines for propulsion and electrical power. As a young junior ...

Unless you have been living under a rock for the last few months, you’ve probably heard about the Bitcoin craze and other cryptocurrencies using distributed ledger technology. I’m ...

The market is hot right now – to say the least. We all know it’s cyclical in nature so in a way it feels like we’re just waiting on the inevitable downturn: we just don’t know when...

Without a plan it’s easy for things to get out of hand over the holidays. Here are some simple steps you can take to make sure all of your gifts get handled reasonably and efficien...

A recent Wall Street Journal front page story, “The Morningstar Mirage,” stated what most advisers should already know: Morningstar ratings don’t mean much. In my experience, those...

Created by Congress twenty years ago, the Roth IRA is starting to show up in seasoned retirement plans in a big way. I remember when the Roth IRA first came out, I thought of it as...