Schulz Wealth Blog

From time to time, clients ask me to comment on what they hear from financial advisors on the radio. The first thing I try to explain is these are paid advertisements. Local adviso...

Wow, the market is pretty hot right now with valuations at all time highs. Data suggests small investors are jumping in with both feet. A recent WSJ article quoted Martin Small, he...

For the last week, our local news in the DFW area has been all abuzz about problems within the DPFP (Dallas Police & Fire Pension). A great MarketWatch article came out yesterd...

At the urging of a friend I scheduled a golf lesson last weekend. The instructor patiently watched as balls ricocheted left and right off my 8 iron. With a grunt, he disappeared. I...

The Wall Street Journal did a whole series of articles last week on the big shift major mutual fund companies are seeing away from active management. See: Wall Street’s ‘Do-Nothing...

Indexing is not the same as smart, low cost investing. With indexing, you accept the market performance of an index designed to measure market performance. A key point here: market...

One month away from the general election, everyone is talking about how the next President will affect the stock market. Opinions vary based upon political leanings, but most belie...

As an investment adviser, people ask me all the time “how’s the market doing”, and I always try to answer politely. Believe it or not, I never watch CNBC and unless I’m trading tha...

updated April 25, 2018 If your advisor is not on the same page with you, it makes it harder to weather downturns. There are five very basic service points your advisor should be hi...

With billions of dollars exchanging hands each day, continual fluctuations in prices, and constant media chatter about the “market”, it’s easy to lose sight of what we are actually...

We headed into our first semi-annual client reviews of the year last week with a certain level of apprehension. A big drop in the market right out of the gate wore heavily on my mi...

For many years now, the Department of Labor has been steadily attacking business as usual in the retirement plan selling business. Based upon the Pension Protection Act of 2006, fi...

As you invest and save more, the movement of money between accounts becomes a larger part of your financial life. Here is some good information on the process, safety protocols, an...

“Buy when there’s blood in the streets” – Baron Rothschild During the Panic of 1871 in Paris, when everyone was selling, Baron Rothschild (according to the story) was buying. This ...

Back in the 90’s I sold a lot of variable annuities. I worked for a large financial services company that strongly encouraged the use of variable annuities and there were some adva...

In most of my recent client meetings I am being reminded that retirement is an outdated term. We try to use the term “transition” but that does not fit as a good description either...

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...

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 it to me pretty clea...

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...

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 i...

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...

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 thi...

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 Events (that’s the ...

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...

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 Investors...