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…
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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…
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…
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…
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…
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”…
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 a…
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…
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 in…
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 and business implications…
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…
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…
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 this would…
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…
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 insider…
by: Rob Schulz, CFP September 13, 2010 I read an interesting article in the New York Times the other week. The article by Graham Bowley entitled: In Striking Shift, Small…
By: Rob Schulz, CFP® June 25, 2010 A large insurance company is currently running an advertising campaign, “Do You Know Your Number?” and I like it so much I am…
Updated: October 2017 Myth: Cash value life insurance is one of the worst financial products available. Truth: Many lives will be financially devastated by Dave Ramsey’s advice on life insurance….
May 2009 It was almost one year ago when the mortgage meltdown came to roost in my head, and it’s been there ever since. Like many in my industry,…
By: Rob Schulz, CFP® April 28, 2009 Gretchen, my oldest, is going off to college next year so I thought I would briefly share some thoughts on college planning with…
by Rob Schulz, CFP® 09/22/08 Q. The financial world is in a panic. Exactly what is going on? A. In addition to a recession and bear market, we are now…
May 5, 2008 After a very rough start to the year, it seems like a good time to quote Warren Buffet. The Sage of Omaha said back in 2001, “You…
Year End 2007 Market Commentary Because you are a valued client, I wanted to write down some brief thoughts for you as they relate to the economy. For 2007, the…
One of the most important lessons learned over the last few years in the stock market is that volatility kills a poorly managed portfolio. How? Let’s do the math:…
