OUR BLOG

Updates from the Team and the Podcast

Our Greatest Enemy isn't a Virus, it's Fear and Panic

There is no question that viruses are deadly and scary. According to the CDC, the regular, annual seasonal flu quietly kills somewhere between 291,000 and 646,000 people per year worldwide. Viruses are one of the most primitive living organisms...

Expect the Unexpected

There was a major selloff in the stock market this week as investors processed information about the coronavirus. As we discussed these events, Austin and I inadvertently found ourselves talking in terms of what we thought could happen next....

Combining Traditional and Innovative Investing

There is a new sleeve of our portfolios that we are becoming more and more helpful. Adding to the traditional stock and bond mix, we are using Defined Outcome ETFs. Defined Outcome ETFs are buffered investments around different indexes that...

Buying Your Kid Their First Car

When I was young, sometimes I daydreamed about the fleet of cars I would own someday. Raising four children in the suburbs has certainly allowed me the opportunity to own a fleet of cars, but it’s not what I dreamed of. Recently, a...

Defined Outcome In Investing: What’s That?

I don’t like index annuities, and I especially dislike variable annuities with complicated riders that supposedly promise you’ll never lose money. With these products, you get lots of smoke and mirrors, high fees, surrender charges, very little...

Leveraging Our Personal Relationship For Your Security

Recently there has been more news and reports of phishing and spoofing of emails with trusted third parties like advisers. If fact, we have even seen some of these first hand. Because there are malicious individuals out there always after money...

Should We Live for Today or Save for Later?

A classic either/or question that comes up from time to time in client discussions. Based upon our own life experiences, we all tend to lean one way or the other as it relates to spending now or saving for later. As with many decisions in...

A Lesson from Mark Cuban

To help curb much of the anxiety and uneasy feelings of financial markets today, we can take a lesson from Mark Cuban on protecting our invested assets. In 1999 Cuban sold Broadcast.com to Yahoo! in a deal valued at $5.7 billion dollars. As part...

Thoughts on Time

Thoughts on Time: Time and again, couples, when they set an appointment for an initial visit will say things like “We’ve been planning on coming to see you for years”, to which I always reply “Why did you wait so long?”. Generally, their...

Thoughts on Bonds

Thoughts on Bonds Bonds are a crazy animal. With interest rates trending down bond funds look fantastic, yielding much higher returns than you would normally expect. But the only reason they are higher in value is because interest rates are...

Thoughts on Collaboration and Accountability

Thoughts on Collaboration and Accountability Accountability is a powerful driver of success that most of us want to avoid like the plague. Just like planning it’s not very fun and sexy. Years ago, I decided it was time to get back in shape. At...

Thoughts on Things Financial

Avoid this Investing Pitfall There are often times when we’re too smart for our own good. Our success and genius in our work lives provides a false sense of competency in the realm of financial planning and investment management. For example:...

Our Client Process

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 financial plan. From there, we meet semiannually to update your plan...

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...