Richard B. Schultz| CFP®
Schultz Financial Management Corp.
- Comprehensive Financial Planning
- Free Initial Consultation
- Retirement Planning
- High Net-Worth Clients
- Active Portfolio Management
- Roth Conversion Strategy
- Alternative Investments
- Tax Efficient Investing
- Real Estate Investing
- Restricted Stock & Options
Orange, CA 92866
Cupertino, CA 95014
Fee-Only & Fiduciary
Richard Schultz is an Fee-Only Financial Planner serving Orange County, Cupertino and Silicon Valley. Schultz Financial Management Corp. specializes in providing objective financial planning and investment management help clients build, manage, grow, and protect their assets through life's transitions. Richard Schultz is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.
Founder and President, Richard Schultz has been providing investment advisory services to individuals and families for over 20 years. Richard's credentials include:
- A roster of more than 80 clients with $80+ million in assets under management (as of 2016)
- Certified Financial Planner designation from the CFP Board
- A member of the National Association of Personal Financial Advisors (NAPFA) since 2001
- A member of the National Association of Active Investment Managers (NAAIM), since 2011
- Series 7 securities license from Financial Industry Regulatory Authority (FINRA)
Schultz Financial Management is listed as a 5 star advisor in the Paladin Registry, and approved MD Preferred Services™ provider to medical doctors.
Richard obtained a bachelor’s degree in Computer Science from Moorhead State University, Minnesota in 1981 and moved to Southern California where he worked as a software engineer, designing application software for aerospace and medical diagnostic instruments.
After several years of successfully managing his own investment portfolios, Richard realized he'd found his passion.
In 1990, he enrolled in the Certified Financial Planner Educational Program, obtained a Series 7 securities license, and began working as a registered representative for an independent brokerage firm.
After several years, Richard earned his Certified Financial Planner™ designation and launched Schultz Financial Management, an independent fee-based financial planning practice in 1995.
Schultz Financial Management is a Registered Investment Advisor (RIA) working with individual investors. We specialize in wealth management and actively managed portfolios in Orange County and Cupertino, CA.
Our primary concerns are:
- help clients to fulfill their financial goals,
- maintain clear, unfettered lines of communication,
- provide top-notch client service, and
- offer world-class investment and wealth management services.
We are a fee-only investment advsier, meaning that our sole source of income is derived from our client fees. Why is this important?
Often, financial advisers receive commissions or payments from financial companies in exchange for directing clients to their products. These arrangements create clear conflicts of interest, as the financial interests of the adviser may be at odds with their fiduciary duty (or, mandate to act solely in the best interests of their clients).
As an RIA, Schultz Financial Management is a fiduciary and therefore legally required to act in our client’s best interest, which includes full disclosure of compensation and any potential conflicts of interest.
Schultz Financial Management manages the financial interests of our clients. Our investment strategy is to actively manage client portfolios with an eye towards earning consistent, attractive investment returns, regardless of the economy, interest rates, or market conditions.
We offer clients a choice of Active Portfolio Management and Wealth Management. Which service they choose is based upon their individual financial situation and goals.
Active Portfolio Management – Our focus is to generate the best possible returns, keep taxes low, and ensure fees are both predictable and minimal.
Ours is a disciplined investment approach; a process in which we strive to capture most of the returns available when the financial markets are doing well, yet effectively mitigate risk during market downturns in order to preserve gains.
This contrasts to an "index" approach, where the investment manager simply purchases stocks and bonds based on a formula, then allows them to rise and fall with the market.
Active investment management is NOT market timing or churning the stocks in a client's portfolio. Rather, active portfolio management is a key strategy in minimizing the risk and maximizing returns in our client portfolios.
Wealth Management – Our Wealth Management services combine a comprehensive, thoughtful financial planning approach with all the benefits of our Active Portfolio Management.
We view wealth management as a partnership; one in which we work with clients, accountants, estate planning attorneys, insurance specialists, and other professionals to create, execute, and refine our clients' wealth management strategy.
In close consultation with clients, our team prepares a comprehensive financial plan that accounts for the full range of a client's needs, from investment management to estate planning, tax planning, insurance, and other contingencies as needed.