Schulz Wealth Blog

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...

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. Beca...

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 s...

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 Broadcas...

As the New Year turns I would encourage anybody who doesn’t have one, to go get a financial plan put together. But remember, just having one will not solve everything immediately a...

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 a...

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 r...

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 ...

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...

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...

There are often many important questions around how to invest money in your 401(k). For most of us, what we are able to accumulate in our 401(k) during our working lives is going t...

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...

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 inv...

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 intermed...

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 sh...

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...

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 think...