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Schulz Wealth Blog

Topics to Address to Heirs upon your Death and How

Topics to Address to Heirs upon your Death and How

We spend a lot of time and effort in my practice helping our clients build a solid Estate Plan. After all of the legal documents are complete, beneficiary designations changed, and...

Vacations Do Not Have To Be Fancy Trips

Vacations Do Not Have To Be Fancy Trips

When my clients come in for a visit, more often than not the first thing we talk about is where they have been and what trips they have planned. For those who are in good financial...

Financial Fitness

Financial Fitness

Several years ago I took a test at Lifetime where they put me in a mask on a treadmill and tried to kill me. The trainer measured through my mask how much oxygen I was able to abso...

The Kitchen Perspective

The Kitchen Perspective

I had a friend in high school who went to work for the new McDonald’s that came to town. It was a big deal in Taylor, Texas. My dad liked to joke, “they paraded the Golden Arches d...

Willpower is Way Overrated

Willpower is Way Overrated

When it comes to saving and investing money, many times we are our worst enemy. Successful people learn to rely on good systems and processes to achieve their goals, not willpower....

Feel the Burn

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

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

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...

Giving Gone Wild

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

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)

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...

Values: A Key Ingredient for Success

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

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...

Thoughts on Retirement Income

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...

I Love Market Risk

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...

Rough Summer?

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...

How Before Why is a Formula for Failure

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...

What is Your Number?

What is Your Number?

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 going to steal it! ...