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Feel the Burn
Ten minutes into my spin class last night, clipped in with beads of sweat forming along my forearms, Dianna our instructor said exactly what I was anticipating: “add significant re...
Never Worry About Money
Many years ago I wrote “Never Worry about Money” along with some other personal goals on a small laminated card that I carried around in my wallet. That was, and remains today the ...
Situational Awareness
Over twenty years ago, I remember standing on the bridge wing of the USS John Rodgers, a US Navy Destroyer. As Officer of the Deck, I was in charge. We were cruising at 15 knots, r...
Eight Years of Innovation
It’s hard to believe the iPhone is eight years old this month and it’s hard to imagine daily life without it or the Android technology that was spurned by its invention. I conduct ...
Giving Gone Wild
I love Christmas. I love all of the Christmas music, getting together with friends and family, and of course giving and receiving Christmas gifts. However; the gifting tradition in...
Pumpkins and Planning
It is pumpkin carving time at The Schulz house. My youngest daughter is old enough to carve on her own and the other night we prepared for the annual ritual with craft paper on the...
6 Easy Mid-year Steps to a Better 401(k)
As a plan sponsor, many of the important administrative tasks associated with your plan’s operation happen behind the scenes with your vendors. Because of this, sometimes it’s easy...
Cashing Out in an Up Market
For most of my career in private wealth management, one of the greatest challenges has been maintaining client sell discipline in a down market. Interestingly, I rarely hear a peep...
Values: A Key Ingredient for Success
I recently read about Vince Young’s Bankruptcy Filing “From 25.7 million guaranteed to Chapter 11”. Like most people, it amazes me every time I see something like this. At the othe...
ROTH 401(k): Underutilized and Misunderstood
It has been six years now since the doors opened for 401(k) plans to allow ROTH contributions. Most employers by now have amended their plans to allow these contributions but few e...
Picking Stocks: Sound Fun? Think Again
My dad was a Stockbroker for many years before he went to work with my grandad in the newspaper business. He had played the game, knew the rules, and explained it to me pretty clea...
Thoughts on Retirement Income
As you get closer to Financial Independence Day (the day you start taking money out of your retirement accounts), the reality of what was an intangible concept for so many years ca...
Great Article I Found on Financial Habits
I love this article by Mikey Rox on Wise Bread called 10 Habits of Financially Happy People (click on the link to read the article). Mikey used the word “happy” instead of “success...
The Pay and Product Disconnect
Integrity is key. For Advisors, it’s easy to lose sight of integrity because the framework of the financial services industry creates conflicts of interest. In many cases, there is...
I Love Market Risk
Yes, I love market risk! The risk associated with the stock markets is completely beyond our control so most investors would not make such a bold statement. Instead, many make it h...
Our Depression
Our Depression by Rob Schulz, CFP® April 24, 2012 Instead of the “Great Recession”, I have started calling the downturn of 2008 “Our Depression” because of the significant change i...
Here's to Your Health!
The whole country watches today as the Supreme Court listens to arguments and debates the constitutionality of the Affordable Care Act. Their decision will have massive political a...
Rough Summer?
by Rob Schulz, CFP® June 24, 2011 There is a lot of negativity out there and the stock market has reacted with increased volatility. If I were a gambler, I would bet the market wil...
Fiduciary Overkill
by Rob Schulz, CFP® April 20, 2011 The SEC is currently looking into authorizing a universal fiduciary-duty regulation under the Dodd-Frank financial reform law. If carried out thi...
Reality Check
by Rob Schulz, CFP® February 4, 2011 Over twenty years ago my dad died from a sudden heart attack. Since then my life has been marked by many Critical Financial Events (that’s the ...
How Before Why is a Formula for Failure
by Rob Schulz, CFP® June 6, 2011 I always ask my clients “why” when we discuss their financial goals and objectives. Why do you want to reduce debt? Why do you want to save for ret...
Fed Turns up the Heat on Wall Street
By: Rob Schulz, CFP® November 24, 2010 You may have noticed the headlines as the Securities Exchange Commission, FBI, and federal prosecutors wrap up what they call the largest ins...