Schulz Wealth Blog

Clients First As large service corporations become more efficient and tech-forward, it creates opportunities for those of us who build personal relationships with our clients. When...

How will you respond to uncertainty? Impossible to Predict, Possible to Plan People are unpredictable, and therefore the future is unpredictable. In Christian terms, we call it fre...

Inflation is running at 7.5%. What’s your move? Inflation is hitting historic levels meaning this is the kind of stuff you tell your grandchildren about someday. Even depreciating ...

In our recent semi-annual reviews with clients, it has become almost routine for us to look at portfolio returns together and say, “That looks great!” Well, last week was not so gr...

The fourth quarter of 2021 did not break stride from the rest of this year. The jobs reports continued to come out extremely strong; corporate earnings did the same. As the last qu...

Rob published a great article in the Mansfield Record that talks about living life to the fullest while also planning for those unexpected events. Click below to read more!

In this video, Austin and I talk about Equity Indexed Annuities. We’ve been analyzing quite a few of these lately and there are two major takeaways: They are complicated. They prov...

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...

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...

A recent Wall Street Journal front page story, “The Morningstar Mirage,” stated what most advisers should already know: Morningstar ratings don’t mean much. In my experience, those...

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...

It’s hard to believe the year is halfway over. Now is a good time to review and determine what steps need to be taken to finish out the second half. Here are five topics to help yo...

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...

Buying and maintaining life insurance policies is a pain. On the surface, it seems like a pretty simple transaction but it is actually one of the most complex pieces to the Financi...

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...

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 ...

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...

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...

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® 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...

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. Dave R...

Year End 2007 Market Commentary For 2007, the volatility in the equity market over the course of the year was significant. Most economists point to these factors that affected 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: Examplele 1: Fred...