OUR BLOG

Updates From The Experts

Our Investment Process

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-cap outperformance. Portfolio tilts are applied toward factors...

Nothing in Life is a Straight Line

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 as the PCL. I remember walking to class past the huge PCL, with...

Freedom and Financial Independence

  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 live in undeveloped regions and subsist at a very basic level,...

Bucket #3: Retirement Planning

  Bucket number 3 is money for retirement. This is a bucket we all hope to get started on as soon as possible. Getting started with bucket number 3 at an earlier age allows us to invest more aggressively in order to take maximum advantage of our...

Bucket #2: Strategic Planning

  Bucket number two is used for intermediate term goals. Intermediate term goals are different and unique, depending on your specific needs. Younger professionals my have an intermediate term goal of buying their first home, while others may be...

Bucket #1: Savings

Money we have in bucket number one is for rather near term financial goals. Because of the short horizon to these goals, they should be invested in a safe manner. An example for shorter term goal would be planning a big overseas trip, or maybe...

A Rough Week in the Stock Market

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 down just under break-even only 26 days later. Here’s what the week...

Your Money From a Different Perspective

  This is the first article in a multi part series centered around a different (and hopefully easier) way to think about your financial goals from an overview perspective. When thinking about our financial goals, it is often much easier to think...

Start Investing Today- Your Future Self Will Thank You

How much money do we need to have to begin investing? The truth to this question is a lot less than we think. Many people I have talked to believe that they need to have thousands of dollars saved up to fund their initial investment, however this...

The Free Lunch Theory As It Relates To Annuities

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 there is a price for everything, whether you know it or not. From an...

401(k): Financial Planning is the Answer

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, personal clients seek me out and arrive at my office ready and willing...

Stay Invested, My Friends

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 success. Attempting to ‘buy low and sell high’ is incredibly...

A Life Lived

  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, inviting homes, where their values and interests are on display....

The Power of Long Term Investment Returns

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 Narragansett Bay, I was reminded of the importance and power of lift. Sails...

Point the Ship in the Right Direction

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 Windward Passage. Punching holes in the ocean, is what we called it,...

20 Moves: Investing in a Complex Market

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 officer, I was required to learn all about these marvelous...